Does Amex Blue Cash preferred increase line of credit link a hard pull or soft pull

[rollerkosh]

There is a link in American Express website where you can request increase of your credit line. Is this a hard pull or soft pull?

[Anonymous]

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@rollerkosh wrote:

There is a link in American Express website where you can request increase of your credit line. Is this a hard pull or soft pull?

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It should be a soft pull. Also, if you haven't already, be sure to see this guide on Amex CLIs http://ficoforums.myfico.com/t5/Credit-Card-Applications/The-Definitive-Amex-3X-CLI-Guide/td-p/18110...

[Anonymous]

Soft

[rollerkosh]

The reason for this is . I read everywhere its soft. but I asked from the Amex chat person and he said it will be reviewed by credit agencies which might affect your score which sounds like a hard pull

[Anonymous]

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@rollerkosh wrote:

The reason for this is . I read everywhere its soft. but I asked from the Amex chat person and he said it will be reviewed by credit agencies which might affect your score which sounds like a hard pull

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Don't worry about  what he said, it's a soft pull.  Sadly, Amex CSRs are quite often wrong..  In this case, he's sorta correct.  A SP looks at the exact same things as does a HP, it's just coded differently..

[longtimelurker]

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@Anonymous wrote:

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@rollerkosh wrote:

The reason for this is . I read everywhere its soft. but I asked from the Amex chat person and he said it will be reviewed by credit agencies which might affect your score which sounds like a hard pull

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Don't worry about  what he said, it's a soft pull.  Sadly, Amex CSRs are quite often wrong..  In this case, he's sorta correct.  A SP looks at the exact same things as does a HP, it's just coded differently..

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Right.   And also techincally they could do a HP (even if they never do) so the CSR has to cover that case.

[IncrsCredScore]

Glad you asked that question, rollerkosh.  I have thought about asking for a CLI from AMEX, but was under the impression it would be a hard pull so did not ask.  Now I will feel safe in asking for an increase.  I am in the garden, so don't want any HPs.

Thanks for your responses, Irish.

[longtimelurker]

One of the several reasons people love Amex on this forum is the "3x CLI SP" which is written about a lot!  And, unlike backdating, is still the case.

[Simply827]

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@longtimelurker wrote:

One of the several reasons people love Amex on this forum is the "3x CLI SP" which is written about a lot!  And, unlike backdating, is still the case.

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Is backdating a thing of the past? 

[Anonymous]

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@Simply827 wrote:

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@longtimelurker wrote:

One of the several reasons people love Amex on this forum is the "3x CLI SP" which is written about a lot!  And, unlike backdating, is still the case.

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Is backdating a thing of the past? 

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Yes, it died as of 3/21.