Reply
Established Contributor
Uncle_Money
Posts: 530
Registered: ‎07-28-2008
0

Amex Upgrade

Can anyone tell me if Amex hard pulls a credit report for an upgrade?

 

I currently have the green card and I'm wanting to upgrade to the platinum.

 

Thanks,

 

UM

Equifax Fico 785 as of 01/18/2012
Frequent Contributor
jaysdad2k
Posts: 368
Registered: ‎02-07-2008
0

Re: Amex Upgrade

I upgraded from Gold to Platinum online in May 2009. I was instantly approved and there was no hard pull.

 

Of course, they soft pull all the time so they might have done one for that too. I decided that the Platinum fee was not worth it to me, so I reverted to the Gold this year. They did it over the phone and sent me the new card with no problems at all.

 

 

"Knowledge is of no value unless you put it into practice."- Anton Chekhov
4/11 TU 743 4/11 EQ 763
Frequent Contributor
Gibran
Posts: 331
Registered: ‎09-26-2009
0

Re: Amex Upgrade

I'm curious to know how long should I wait to try and do a PC with my Amex, I just got the Zync card so I'm not going to do it anytime soon, but wanted to know what would be a good time frame? Thanks

 

 


AMEX Platinum NPSL | AMEX Zync NPSL | AMEX Delta Platinum $4000 | Travelocity Amex $4000 | CapOne No Hassle Rewards $2500 | BBRZ MC $800 | Local CU Visa $1000 | Kay $2000 | Citi Hilton HHonors Reserve $5000 | Chase Marriott Rewards $5000 | BankAmericard Travel Rewards Visa $7000 | Discover IT $1000
In the garden until 10/2014
Senior Contributor
score_building
Posts: 3,524
Registered: ‎01-10-2008
0

Re: Amex Upgrade

at least 6 mos IMO.

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Established Contributor
Uncle_Money
Posts: 530
Registered: ‎07-28-2008
0

Re: Amex Upgrade

UPDATE:  I called in and was instantly upgraded to the platinum card without a hard pull.  The CSR said they determine eligiblity for an upgrade by account status and not through credit history since you're already a member.  I received a pre approval message online.

 

I know this card has a hefty annual fee of $450 but this is the card I wanted so I'm happy I was able to get it and without another inquiry!

 

UM

Equifax Fico 785 as of 01/18/2012
Senior Contributor
MattH
Posts: 3,245
Registered: ‎04-03-2008
0

Re: Amex Upgrade

 


jaysdad2k wrote:

I upgraded from Gold to Platinum online in May 2009. I was instantly approved and there was no hard pull.

 

Of course, they soft pull all the time so they might have done one for that too. I decided that the Platinum fee was not worth it to me, so I reverted to the Gold this year. They did it over the phone and sent me the new card with no problems at all.

 

 


 

AMEX has been trying to get me to upgrade from Gold to Platinum for years; if I did more traveling I would probably get it, since most of the extra perks beyond what I get with Gold seem to be most useful for travelers, and I don't travel enough to justify the higher annual fee.

 

TU 791 02/11/2013, EQ 800 1/29/2011 , EX Plus FAKO 812, EX Vantage Score 955 3/19/2010 wife's EQ 9/23/2009 803
EX always was my highest when we could pull all three
Always remember: big print giveth, small print taketh away
If you dunno what tanstaafl means you must Google it
Senior Contributor
score_building
Posts: 3,524
Registered: ‎01-10-2008
0

Re: Amex Upgrade

 


jaysdad2k wrote:

I upgraded from Gold to Platinum online in May 2009. I was instantly approved and there was no hard pull.

 

Of course, they soft pull all the time so they might have done one for that too. I decided that the Platinum fee was not worth it to me, so I reverted to the Gold this year. They did it over the phone and sent me the new card with no problems at all.


Can anyone apply for an upgrade online or did you have an upgrade offer pop up online that you then accepted?

 

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Frequent Contributor
jaysdad2k
Posts: 368
Registered: ‎02-07-2008
0

Re: Amex Upgrade

The offer kept showing up as a link on the account summary screen.

 

You can click on the "Apply for a Card" drop down, and it will show cards available for application. When I do that now it shows various cards and my current cards for comparison. Since I went back to Gold, it shows the Platinum and under it "Upgrade Now." So they want me to know I can go back to Platinum if I want.

 

 

"Knowledge is of no value unless you put it into practice."- Anton Chekhov
4/11 TU 743 4/11 EQ 763
New Member
Rebuilding800
Posts: 7
Registered: ‎06-13-2010
0

Re: Amex Upgrade

Soon hopefully i will have mine back!!!! Currently have a 698 FAKO!!!! EX know i wont be appproved only creditor back in the day i never defaulted on!!!! Still shows on my report, and says opened 1987!!!


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+