John060675 wrote:As long as you did not lie on your application, then a FR is not a problem.
Soft pulls do not affect scores and Amex has never harded me for a CLI.
I was approved for the AMEX Delta Gold card with a CL of $1K 9/12/07. I converted to Blue Cash which took effect 10/3. I called AMEX to determine which date I would be eligible for a CLI and was 10/12 (today).Should I go for a CLI? I was going to go for $5K. My only hesitation is that I'm applying for a home mortgage next month and don't want a hard pull for the CLI? Would it be a hard or soft pull? Would a soft pull hurt me enough that I should wait on a CLI until after loan approval?