AMEX hard pull CLI

[UpNComing]

Seems like AMEX can't keep their story straight.  I've read many different posts regarding AMEX and when to go for the first CLI.  Today I had some questions about closing dates and jetBlue rewards points so I decided to ask for myself not for a CLI but information about their CLI policy.  First off the CSR says the she has given many CLIs before 60 days and they more than not end up to be a hard inquiry.  With the amount of money that I'm running through this card I would like a little breathing room.  But not at that cost. 

[TheArcher]

Every CLI I've ever had with AMEX was a soft pull.

[UpNComing]

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TheArcher wrote:

Every CLI I've ever had with AMEX was a soft pull.

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Maybe they had their "B" list CSRs on for the holiday

[Anonymous]

I asked for a CLI at activation on my blue a few months ago. The CSR said she could try, but it would take a hard. I agreed (figuring they would hard my TU, which has never been looked at). The CSR said I would get a letter in 7-10 days with a response. When the letter came, it said no CLI within first 60 days, and no hard was pulled.

[UpNComing]

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missfrustration wrote:
I asked for a CLI at activation on my blue a few months ago. The CSR said she could try, but it would take a hard. I agreed (figuring they would hard my TU, which has never been looked at). The CSR said I would get a letter in 7-10 days with a response. When the letter came, it said no CLI within first 60 days, and no hard was pulled.

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Thats just silly.  They would save a lot of trees if they would just tell their CSR their policy.

[SonorityGenius]

Amex CLI policy has been covered and debated MANY times on here.

The general consensus is NOT asking for a CLI within 30 days of new approval. Waiting 60 days PIF each month THAN use web form (pulls SOFT) and if declined, wait 3-6 months..

Amex has never pulled a hard for CLI but their policy on approvals have changed recently on CB a lot of members got 2 CRs pulled when they applied for Amex so perhaps you too had 2 pulls from approval and just realizing it now?

The enviornment is too unstable right now for all banks so I wouldn't be surprised if they will start pulling hard for CLIs just to keep us ficoholics from hitting the luv button every other month!

[UpNComing]

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SonorityGenius wrote:

Amex CLI policy has been covered and debated MANY times on here.

The general consensus is NOT asking for a CLI within 30 days of new approval. Waiting 60 days PIF each month THAN use web form (pulls SOFT) and if declined, wait 3-6 months..

Amex has never pulled a hard for CLI but their policy on approvals have changed recently on CB a lot of members got 2 CRs pulled when they applied for Amex so perhaps you too had 2 pulls from approval and just realizing it now?

The enviornment is too unstable right now for all banks so I wouldn't be surprised if they will start pulling hard for CLIs just to keep us ficoholics from hitting the luv button every other month!

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I do still plan on waiting until after the 60 day statement closes and PIF.  I didnt ask for one when I called, just through the "whats your policy?" question in at the end of the phone call.  As for the original inquiry it was Exp only for me.

[Anonymous]

UpNComing wrote:

I do still plan on waiting until after the 60 day statement closes and PIF.  I didnt ask for one when I called, just through the "whats your policy?" question in at the end of the phone call.  As for the original inquiry it was Exp only for me.

In my experience, Amex CSRs are generally about 50% better informed than other CCCs' CSRs.

This means, of course, that they make stuff up only about 25% of the time instead of the standard 50% of the time.

Message Edited by cheddar on 05-26-2008 05:41 PM

[UpNComing]

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cheddar wrote:

In my experience, Amex CSRs are generally about 50% better informed than other CCCs' CSRs.

This means, of course, that they make stuff up only about 25% of the time instead of the standard 50% of the time.

Message Edited by cheddar on 05-26-2008 05:41 PM

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Well put cheddar!

[Anonymous]

Post of the day !!!!!!!!!!

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cheddar wrote:

UpNComing wrote:

I do still plan on waiting until after the 60 day statement closes and PIF.  I didnt ask for one when I called, just through the "whats your policy?" question in at the end of the phone call.  As for the original inquiry it was Exp only for me.

In my experience, Amex CSRs are generally about 50% better informed than other CCCs' CSRs.

This means, of course, that they make stuff up only about 25% of the time instead of the standard 50% of the time.

Message Edited by cheddar on 05-26-2008 05:41 PM

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