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New Member
skim_bruin
Posts: 7
Registered: ‎07-19-2011
0

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
Established Contributor
shakalaka
Posts: 547
Registered: ‎09-10-2012
0

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

HP if approved, SP if denied

 


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (17,400) | Discover IT (12,700) | Chase Freedom (4,800) | Walmart (4,500) | CapOne (1,500) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 748 (4/30) EQ 730 (4/26) EX 748 (12/5)

Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

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 :smileywink:
Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009
0

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


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Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

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 :smileywink:
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

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

Congrats


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