Just a guess here, but I think that upgrade matrix (cards available to upgrade, what features you want, etc) they might go ahaed and do the hard pull. I was always under the impression it was soft if you had been a member.
Amex Gold (NSL) 9/12
Chase Freedom (2200) 5/12
Citi Thank You Pref. (4000) 4/12
USAA AMEX (4000) 11/12
BOA VISA SIG CASH (5000) 12/12
Amex Gold Small Biz (NSL) 11/12
