AMEX question

[Creditaddict]

---

@Gibran wrote:

I've read on various threads here that if you already have an account with them, they do a soft pull. That's just what I've read here.

---

Soft for CLI, Always a hard for a new account.

Also to the cash rebate person, you can probably PC that to Blue, then from blue in a month you might be able to go to Hotel or Airline.  Each card offers different cards to PC into than another.

[stan_the_man]

From my experience last week, you can't PC from a non-airline/hotel rewards program card to an airline/hotel rewards program card.

The said the reason had something do to with verifying the relationship to the rewards program.

[MS00000000]

---

@O-day wrote:

I want to do the same thing but i want to wait a year to be on the safe side and i also have way to many inquires...5, also one  question will they hard pull or soft pull when ever i do apply? any one know?

---

I have the Costco TrueEarnings and when I applied for the Zync, it was a hard pull.

[mauwow0682]

I think that because you were applying for a different products is why you got hard pulled, right? Charge Card vs Revolver...

[Creditaddict]

---

@stan_the_man wrote:

From my experience last week, you can't PC from a non-airline/hotel rewards program card to an airline/hotel rewards program card.

The said the reason had something do to with verifying the relationship to the rewards program.

---

I believe if you search Amex PC, you will find my posts with all my PC and you can see what routes I had to go to get what I wanted.

I PC into Delta Plat, Hyatt Plus or whatever it's called and Starwood, then later to JetBlue and Blue.

I originally had Cash rebate business, Blue personal, and Platinum Business credit card.

I just can't remember which cards got which PC.

you get different choices from each card

[Creditaddict]

However from any card you can never PC to Lowes, Costco, or Plum.  Those 3 have to be applied for individually.

[MS00000000]

---

@mauwow0682 wrote:

I think that because you were applying for a different products is why you got hard pulled, right? Charge Card vs Revolver...

---

Not sure if this was directed at my post above it or not, but I assumed that it was because it was a new application of any type as opposed to a credit limit increase on an existing card.  I haven't tried for a CLI yet w/Amex, so I don't know what they do in that case, but I do know that Chase did a hard inq when I asked for a CLI in July 09.