topic Amex soft pull???? in Credit Cards

Amex soft pull????

dk2003 — Sat, 10 Dec 2016 00:40:52 GMT

I've called amex twice and used the chat and no one seems to be able to answer me. I want to request a limit increase (just got the card) but I don't want a hard pull. And when you go to request x amount there is no disclosure about the pull... am I to assume that it's a soft pull since there is no mention of it?

Re: Amex soft pull????

Anonymous — Sat, 10 Dec 2016 00:53:45 GMT

@dk2003 wrote:
I've called amex twice and used the chat and no one seems to be able to answer me. I want to request a limit increase (just got the card) but I don't want a hard pull. And when you go to request x amount there is no disclosure about the pull... am I to assume that it's a soft pull since there is no mention of it?
There is only a HP if the CLI approved.

Re: Amex soft pull????

Anonymous — Sat, 10 Dec 2016 00:54:01 GMT

It is a soft pull for sure. Just one of the things I love about AmEx.

Re: Amex soft pull????

Anonymous — Sat, 10 Dec 2016 00:57:11 GMT

@Anonymous wrote:
@dk2003 wrote:
I've called amex twice and used the chat and no one seems to be able to answer me. I want to request a limit increase (just got the card) but I don't want a hard pull. And when you go to request x amount there is no disclosure about the pull... am I to assume that it's a soft pull since there is no mention of it?
There is only a HP if the CLI approved.

There is no HP even if the CLI is approved. You are thinking of card applications.

Re: Amex soft pull????

Anonymous — Sat, 10 Dec 2016 02:55:20 GMT

@Anonymous wrote:
@dk2003 wrote:
I've called amex twice and used the chat and no one seems to be able to answer me. I want to request a limit increase (just got the card) but I don't want a hard pull. And when you go to request x amount there is no disclosure about the pull... am I to assume that it's a soft pull since there is no mention of it?
There is only a HP if the CLI approved.

CLI is a SP.

Re: Amex soft pull????

Anonymous — Sat, 10 Dec 2016 03:02:38 GMT

@dk2003 wrote:
I've called amex twice and used the chat and no one seems to be able to answer me. I want to request a limit increase (just got the card) but I don't want a hard pull. And when you go to request x amount there is no disclosure about the pull... am I to assume that it's a soft pull since there is no mention of it?

AMEX always a SP of CLI's.. Matter of fact I just received one of those pesky denial letter today. Says my EX FICO is 651.

Need a CLI so bad..

Re: Amex soft pull????

dk2003 — Sat, 10 Dec 2016 03:10:43 GMT

Aha... good looking out 🤗🤗🤗🤗🤗 I think I'll do it

Re: Amex soft pull????

bettercreditguy1 — Sat, 10 Dec 2016 04:53:23 GMT

A question, what AMEX card do you have? The AMEX card I carry has no credit limit. I called them many moons ago and asked what my credit limit was. They responded "It is based on your ability to repay." On a special occasion when I was celebrating a personal mile stone and spending outside of my norms, my server was alerted by AMEX. I was asked to verify some informformation (discretely, via land line) for AMEX to make sure it wasn't fraud, etc. Upon assuring Amex it was myself and suggesting a range of expenses that eve, they said "no problem the charges would be approved". Highly professional, discreet, and well manored. I might add this was over 25 years ago. I have had my Amex Card over 30 Years as of this penmanship and am very happy with the firm, my card, and their team.

Re: Amex soft pull????

iheartwings — Sat, 10 Dec 2016 04:58:24 GMT

@bettercreditguy1 wrote:
A question, what AMEX card do you have? The AMEX card I carry has no credit limit. I called them many moons ago and asked what my credit limit was. They responded "It is based on your ability to repay." On a special occasion when I was celebrating a personal mile stone and spending outside of my norms, my server was alerted by AMEX. I was asked to verify some informformation (discretely, via land line) for AMEX to make sure it wasn't fraud, etc. Upon assuring Amex it was myself and suggesting a range of expenses that eve, they said "no problem the charges would be approved". Highly professional, discreet, and well manored. I might add this was over 25 years ago. I have had my Amex Card over 30 Years as of this penmanship and am very happy with the firm, my card, and their team.

Sounds like you have their charge card. AmEx has revolver (e.g., Everyday, Blue Cash, Delta SkyMiles) with CL, for which they can give generous CLIs.

Re: Amex soft pull????

dk2003 — Sat, 10 Dec 2016 14:38:29 GMT

@iheartwings wrote:
@bettercreditguy1 wrote:
A question, what AMEX card do you have? The AMEX card I carry has no credit limit. I called them many moons ago and asked what my credit limit was. They responded "It is based on your ability to repay." On a special occasion when I was celebrating a personal mile stone and spending outside of my norms, my server was alerted by AMEX. I was asked to verify some informformation (discretely, via land line) for AMEX to make sure it wasn't fraud, etc. Upon assuring Amex it was myself and suggesting a range of expenses that eve, they said "no problem the charges would be approved". Highly professional, discreet, and well manored. I might add this was over 25 years ago. I have had my Amex Card over 30 Years as of this penmanship and am very happy with the firm, my card, and their team.
Sounds like you have their charge card. AmEx has revolver (e.g., Everyday, Blue Cash, Delta SkyMiles) with CL, for which they can give generous CLIs.

I feel like I need the charge card.... it'll keep me with sense. I notice that the everyday card doesn't have a due date or it doesn't appear to. When I went to set up auto pay it gave me a list of dates to choose from the 15th forward to the 25th

Re: Amex soft pull????

NRB525 — Sat, 10 Dec 2016 15:01:43 GMT

@bettercreditguy1 wrote:
A question, what AMEX card do you have? The AMEX card I carry has no credit limit. I called them many moons ago and asked what my credit limit was. They responded "It is based on your ability to repay." On a special occasion when I was celebrating a personal mile stone and spending outside of my norms, my server was alerted by AMEX. I was asked to verify some informformation (discretely, via land line) for AMEX to make sure it wasn't fraud, etc. Upon assuring Amex it was myself and suggesting a range of expenses that eve, they said "no problem the charges would be approved". Highly professional, discreet, and well manored. I might add this was over 25 years ago. I have had my Amex Card over 30 Years as of this penmanship and am very happy with the firm, my card, and their team.

Replace the reference to server person with your cell phone, replace land-line (what's that?) with text on your cell phone, and you have the modern version of this.

For those with AMEX cards and cell phones, sign up for the text alert settings. You can get a lot of "crisis communication" taken care of, as well as get excellent monitoring for fraud, through your phone. With the phone apps and payment apps on your phone, the linkage is even more extensive, giving info such as "card not present" for online charges. If someone is using your card, and having trouble finding the correct 4-digit security number on the card, AMEX may send you a "potential fraud" text as this is going on. I had this come through a few months ago when my GF was trying to purchse something on line, didn't know that security number was on the front of the AMEX card.