AMEX CLI Hard Pull?

Anonymous · ‎11-18-2018

So I decided to follow the suggestion of some people on this board and request a CLI online for my otherwise useless BCE. I was told here, and read on another website (MagnifyMoney), that AMEX will only do a soft pull for CLI’s. But to my surprise, I did not get an immediate response, but a message about getting a response in 3-7 days.

I really do NOT want a HP for this. I have only used this card one single time, partly because of the ridiculous CL of $500, but also because it’s probably the worst card that I own right now (I have the Gold AMEX, Discover It, and TD Cashback Visa).

Is this what everyone gets when they ask for an AMEX CLI online, or Does this mean they will do a HP?

Is there a way I can prevent a HP before they do it?

thornback · ‎11-18-2018

That message simply means the decision is pending - the system was, for whatever reason, unable to make a determination so the app has been sent to an underwriter. It happens - CLIs aren't always instant decisions nor are they always approved - but they are SPs.

Good Luck!

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Jnbmom · ‎11-18-2018

7-10 days most always a denial (ask me how I know that tidbit) 3-7 days not sure. But always a SP

EXP 780 EQ 796 TU 810

Anonymous · ‎11-18-2018

As the other responses! Not sure the OPs confusion of why a timeframe = HP. Many issuers, if they are going to do an HP, do it at once....

Anonymous · ‎11-18-2018

SP and, like it was mentioned before, the system could not figure out on its own if it was ok to give you a CLI so someone needs to check your request.

Anonymous · ‎11-18-2018

Did you receive an email from Amex? If so, the email should contain a Reference number which can be used to check the status of your request at this link: https://www262.americanexpress.com/eaol/welcome_loc.do (The PCN is the reference number).

Never heard about a 3-7 day message before.

Anonymous · ‎11-19-2018

I did not receive any email regarding this.