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AMEX CLI Approved! Hard pull question for 2nd Amex app?

New Member

AMEX CLI Approved! Hard pull question for 2nd Amex app?

I got approved for CLI from 7k to 20K on my Starwood card!  Which is great, but I then wanted to PC into the Costco card.  I didn't realized they don't allow that switch and when I asked if I would get a second hard pull they said yes.  Can anyone verify this?  I originally opened the starwood of Feb 2011. 

 

Thanks!

AMEX SPG $20,000 | CSP $7,500 | Chase Freedom $3,000 | Chase Hyatt $10,000 | Discover More $5,500 | Citi Forward $7,000 | Cap1 $5,000
Message 1 of 6
5 REPLIES
Established Contributor

Re: AMEX CLI Approved! Hard pull question for 2nd Amex app?

HP if approved, SP if denied

 

Amex Platinum | Discover IT | Amex BCE | Citi DCB | Chase Sapphire Reserve | Chase Sapphire Preferred | CapOne | NFCU goRewards and CLOC | Chase Freedom | Walmart | Alliant CU Visa | Couple of Biz Cards | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO (TU/EX/EQ): 737/772/752 - Total CL 215+K

Message 2 of 6
Established Contributor

Re: AMEX CLI Approved! Hard pull question for 2nd Amex app?

Yep, you will receive an additional HP if you app and are approved for the Costco card. However, if your denied, it will only be a SP. Personally, there is no way I would ever try an PC the awesome Starwood card into a Costco. I honestly dont even think that's a PC option, but i could be wrong.


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 3 of 6
Senior Contributor

Re: AMEX CLI Approved! Hard pull question for 2nd Amex app?

Recently (yesterday?) there was a post about someone apping for a second Amex, being denied, and still receiving a hard pull.  The second card was a business card which perhaps makes a difference; however, the poster reported having previously applied for the business card, being denied, and only receiving soft pulls.  So, while there is a lot of anecdotal evidence that you can apply for a second Amex and only receive a soft pull for a denial, just a reminder that policies can change, and you should always expect a hard pull when applying for any credit.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Message 4 of 6
Established Contributor

Re: AMEX CLI Approved! Hard pull question for 2nd Amex app?

+1@waltk


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 5 of 6
Highlighted
Established Contributor

Re: AMEX CLI Approved! Hard pull question for 2nd Amex app?

Congrats

Message 6 of 6