dnm45227 wrote:ok cheddar looks like the baton has been passed from concorduser to you. i say go for it! ya, there's an annual fee, but look at the perks and from what i can tell you would really get a lot of use out of it.
Hah! Peer pressure? What peer pressure? 
I'll get to it. Not right away, but I'll get to it. 
@Red1Blue wrote:
I am still not sure why did they pull a Hard on me?I heard they do a soft for all things, I am not sure why they did a hard for me on this. I'll be curious to find out if they did hard to others also.Can we ask Amex and see if they can change it and recode it as soft?
Well, you really have to back off this and think about it. The pre-approval is a soft, because it results from a random search by AmEx (or whomever) to find consumers whose profiles fit their general requirements. If you fit in that very general group, you will get a pre-approval mailer. If not, you won't.
The whole reason that creditors report hard inqs is to show who is looking for credit. When you are actually applying for credit, it's reasonable that you get a hard.
It gets ugly when a CCC pulls a hard when you are asking for a CLI, or to find out if you're eligible for an upgraded card. It's especially bad when a CA hards you! --you're certainly not asking for credit from a CA.
When I actually apply for credit, I fully expect to get a hard, and if I get approved, this doesn't bother me at all!
