topic Re: AMEX CLI With No Inquiry? in Credit Cards

AMEX CLI With No Inquiry?

Anonymous — Thu, 22 Jul 2010 04:53:03 GMT

I recently requested and received a CLI from AMEX on my Blue card. Since then, I have pulled Experian and Equifax reports and there are no hard inquiries on either.

I know AMEX usually pulls Experian, and I did see a soft inquiry on the date I asked for a CLI, but there is no inquiry. Is there still a chance that an inquiry will show up?

FYI -- The CLI was approved instantaneously and occurred about 22 days ago.

Re: AMEX CLI With No Inquiry?

Anonymous — Thu, 22 Jul 2010 05:08:01 GMT

If it was instantaneous and you didn't fill out a form, it was a soft.

If there's no hard 22 days later (or a day later, for that matter), it was a soft.

All signs point to you getting away scott free.

Re: AMEX CLI With No Inquiry?

score_building — Thu, 22 Jul 2010 10:56:02 GMT

@Anonymous wrote:
If it was instantaneous and you didn't fill out a form, it was a soft.

If there's no hard 22 days later (or a day later, for that matter), it was a soft.

All signs point to you getting away scott free.

Amex doesn't currently have a form request CLI.

Just because an INQ doesn't show up a day later does not necessarily mean that it won't. It is typically almost real time but there is no guarantee.

OP- the CLI from Amex should not result in HP if it didn't show up within the first few days. The SP you spotted on the day of your request also indicates that you are in the clear.

Re: AMEX CLI With No Inquiry?

joestay — Thu, 22 Jul 2010 17:48:35 GMT

Isn't Amex CLI usually soft pull only?

Re: AMEX CLI With No Inquiry?

Anonymous — Thu, 22 Jul 2010 18:50:45 GMT

Even applying for a new card with AMEX is usually a soft pull if youre already a member, so I'd be surprised if CLIs weren't as well.

You're tempting me to go ask for a CLI

Do they have a button, or do you have to call? I've gone 2 years without an auto CLI and all my other cards have moved on up to higher limits. I'd like to increase my 2k limit with AMEX, but I guess I'm not eligible? I didn't see a link anywhere, and I searched the site pretty good.

Re: AMEX CLI With No Inquiry?

score_building — Thu, 22 Jul 2010 19:44:07 GMT

@joestay wrote:
Isn't Amex CLI usually soft pull only?

Yes.

As far as a new amex app for current member being soft pull, not IME (unless it is an instant denial) but YMMV.

Re: AMEX CLI With No Inquiry?

score_building — Fri, 23 Jul 2010 08:32:31 GMT

Recently more than doubled CL by calling, so you can always make your request that way.

@Anonymous wrote:
Even applying for a new card with AMEX is usually a soft pull if youre already a member, so I'd be surprised if CLIs weren't as well.

You're tempting me to go ask for a CLI

Do they have a button, or do you have to call? I've gone 2 years without an auto CLI and all my other cards have moved on up to higher limits. I'd like to increase my 2k limit with AMEX, but I guess I'm not eligible? I didn't see a link anywhere, and I searched the site pretty good.

Re: AMEX CLI With No Inquiry?

haulingthescoreup — Sat, 24 Jul 2010 00:06:37 GMT

@Anonymous wrote:

Even applying for a new card with AMEX is usually a soft pull if youre already a member, so I'd be surprised if CLIs weren't as well...

Mmmm, I have to disagree on this one. I applied for a second card and got a hard inq (EX only, in this case, as was the original card.) But my CLI was a soft.

The advantage in getting additional cards with AMEX is that they back-date the new ones to the opening year of the original, so they show up looking older and you don't get the new account ding.

There might be some lucky souls getting additional cards without a hard, but I don't remember one, right off the top of my head. Doesn't mean it doesn't happen, of course.

Re: AMEX CLI With No Inquiry?

vanillabean — Sat, 24 Jul 2010 02:10:15 GMT

Am I to conclude that neither a CLI button push nor a call for a CLI will result in a hard inquiry?

DW has an Amex card, whose original hard inquiry is half a year ago today, so maybe it's safe to try tomorrow?

(Her CLI button has been up there for a while though.)

Re: AMEX CLI With No Inquiry?

fused — Sat, 24 Jul 2010 02:19:03 GMT

@haulingthescoreup wrote:

@Anonymous wrote:

Even applying for a new card with AMEX is usually a soft pull if youre already a member, so I'd be surprised if CLIs weren't as well...

Mmmm, I have to disagree on this one. I applied for a second card and got a hard inq (EX only, in this case, as was the original card.) But my CLI was a soft.

My experience with Amex was the same as yours. I apped for a Blue in Dec 06 and a Gold in April 07, both resulted in multiple hards on EX and EQ.

Re: AMEX CLI With No Inquiry?

Anonymous — Sat, 24 Jul 2010 23:01:37 GMT

@fused wrote:

@haulingthescoreup wrote:

@Anonymous wrote:

Even applying for a new card with AMEX is sometimes a soft pull if youre already a member, so I'd be surprised if CLIs weren't as well...

Mmmm, I have to disagree on this one. I applied for a second card and got a hard inq (EX only, in this case, as was the original card.) But my CLI was a soft.

My experience with Amex was the same as yours. I apped for a Blue in Dec 06 and a Gold in April 07, both resulted in multiple hards on EX and EQ.

There, fixed

Re: AMEX CLI With No Inquiry?

PRILEY — Fri, 27 Aug 2010 16:33:15 GMT

II have a Gold Buis and when I apped for the Blue I got a hard on EX, Wheres the cli button on Amex

Re: AMEX CLI With No Inquiry?

Creditaddict — Fri, 27 Aug 2010 16:39:37 GMT

Amex CLI are softs.

The CLI button is hidden away under a tab in your account... when you log in, over to the right there is a list of options to do with your account... I'm sorry I can't give exact directions right now but just click all the tabs you can that give you more options... something about managing your credit account or something. Remember up to 3x current CL.

Re: AMEX CLI With No Inquiry?

haulingthescoreup — Fri, 27 Aug 2010 16:52:11 GMT

@PRILEY wrote:
II have a Gold Buis and when I apped for the Blue I got a hard on EX...

Yes, when you switch from a charge product to a revolver, or vice versa, you will generally get a hard. I know I did. No new credit penalty, though, due to the backdating bit.

Re: AMEX CLI With No Inquiry?

PRILEY — Fri, 27 Aug 2010 21:22:42 GMT

Remember 3x ??????? I don't get it.

Re: AMEX CLI With No Inquiry?

Creditaddict — Fri, 27 Aug 2010 22:44:00 GMT

@PRILEY wrote:
Remember 3x ??????? I don't get it.

American Express allows you to ask for up to 3x your current CL each CLI request. If you card is eligible, it should be instant. My experience if it doesn't give it to you instantly, you are not getting it, but it's always a soft.

Re: AMEX CLI With No Inquiry?

bakalao2k — Sun, 29 Aug 2010 01:16:01 GMT

aren't accounts with very large credit lines more likely to be subjected to a financial review? my amex blue has a 12K limit and i'm not going to asking for a CLI.

Re: AMEX CLI With No Inquiry?

Red1Blue — Sun, 29 Aug 2010 03:21:00 GMT

@bakalao2k wrote:
aren't accounts with very large credit lines more likely to be subjected to a financial review? my amex blue has a 12K limit and i'm not going to asking for a CLI.
I dont think it has any thing to do with the credit limit that prompts for the FR. It is spending and payment patterns and several other issues triggers the FR.

Re: AMEX CLI With No Inquiry?

PRILEY — Mon, 30 Aug 2010 13:31:58 GMT

My blue has a 20k limit, Wow that would be a 60k limit. Won't that raise red flags?

Re: AMEX CLI With No Inquiry?

score_building — Mon, 30 Aug 2010 13:37:38 GMT

@PRILEY wrote:
My blue has a 20k limit, Wow that would be a 60k limit. Won't that raise red flags?

Yes in that It may lead to an F/R or request for docs.

The 'triple your current CL for CLI request' tip refers to obtaining a TOTAL CL under about 20k and it does seem to be alive again after being snuffed out during the crunch.