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Regular Contributor
Posts: 175
Registered: ‎04-01-2008
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Quick questing on Amex

I got a link on my amex site stating "Upgrade to the Rewards Plus Gold Card", When I click link it talk about applying and limited info needed and just need it ccid... but it dont state anything about it going to pull a additional CR or anything... has anyone ever clicked this before or something similar?
4/29/08 TU: 635 (2/1) EQ: 663 (1/1) EX: 652 (1/1)
6/07/08 TU: 688 (2/1) EQ: 672 (1/1) EX: 679 (1/1)
CA/CO
Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
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Re: Quick questing on Amex

I got the same thing when I upgraded my Gold to a Platinum card several months back. Amex did not pull my credit and I kept the same account number. Call them to be absolutely sure though.
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Regular Contributor
Posts: 175
Registered: ‎04-01-2008
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Re: Quick questing on Amex

ok thanx... and maybe i can get lucky with no af ;p
4/29/08 TU: 635 (2/1) EQ: 663 (1/1) EX: 652 (1/1)
6/07/08 TU: 688 (2/1) EQ: 672 (1/1) EX: 679 (1/1)
CA/CO
Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
0

Re: Quick questing on Amex

never hurts to ask...it's not like Amex will punch you in the nose
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Established Contributor
Posts: 519
Registered: ‎05-09-2008
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Re: Quick questing on Amex



fused wrote:
never hurts to ask...it's not like Amex will punch you in the nose



Says who?  I've been punched in the nose by Amex plenty of times. :smileymad:
American Express Blue Cash Everyday $6600
Barclays US Airways Premier World Mastercard $14500
Chase Sapphire Preferred $5000
Chase Freedom Visa $1000
Chase United Explorer $8500
Citi AAdvantage Platinum Select Visa Signature $7500
Citi ThankYou Premier World Mastercard $7500
Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
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Re: Quick questing on Amex

[ Edited ]

fused wrote:
I got the same thing when I upgraded my Gold to a Platinum card several months back. Amex did not pull my credit and I kept the same account number. Call them to be absolutely sure though.



Are you talking about the message on the main accounts page? In the little box that's titled "Card Benefits"?

So in the highly unlikely event that I wanted to give American Express $450, by clicking this link, I would NOT get a hard inq?

Because if you click on one of those so-called pre-approvals that list four cards, it's a hard, yes? And if you call up and ask for a card, it's also a hard?

Goodness, I have many questions. Here's what I'm talking about on my screen:

Image Hosted by ImageShack.us


And yes, I'm terrible with the drawing function on Paint, lol.

Message Edited by haulingthescoreup on 07-22-2008 06:12 PM
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Moderator Emeritus
Posts: 6,794
Registered: ‎09-29-2007
0

Re: Quick questing on Amex

Bump for fused.
 
Inquiring Mods want to know! :smileyvery-happy:
 
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Epic Contributor
Posts: 24,276
Registered: ‎10-23-2007
0

Re: Quick questing on Amex

upgrade is not a hard since it's the same account, they are just getting more money out of you. applying for new accounts are hard though.
Fico Scores: EQ- 670., TU 705 Sync, EX 700 (04/20/15)
I'm just trying to catch up to RON1
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
83 Cards and Counting :smileytongue:
Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
0

Re: Quick questing on Amex

I would definitely recommend calling Amex and doing this one on the phone as opposed to online just to be sure. Amex is weird sometimes.

They were happy to upgrade my Green to Gold without an inquiry.

I wonder how happy they will be when I switch the Gold back to Green the month before my AF hits.
Here we go again...
Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
0

Re: Quick questing on Amex

That's NOT what I had. I'm not really sure about that link, though it does say upgrade and not apply. When Amex offered me the upgrade, there was a link located above my accounts. I also received the same offer in the mail. Again, I would call Amex to be sure.

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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