Amex CLI after 90 days = Hard pull..**bleep**

[Tiberius800]

I tried to do a cli on my 3 month old amex. And they declined to give me more money and did a hardpull on me. **bleep**. Is that normal? I thought they soft pulled for this stuff.

[GatorGuy]

Is this your only card with them?

[Anonymous]

There's no guarantee of a SP.  Although SPs are more common, there are reports of HPs.

[BlackOpzFX]

Not normal BUT Amex pulls your credit monthly and something changed that made them need to see a HP again. Did you utilization get higher over the last 3 months (>30%)?

[FinStar]

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@Tiberius800 wrote:

I tried to do a cli on my 3 month old amex. And they declined to give me more money and did a hardpull on me. **bleep**. Is that normal? I thought they soft pulled for this stuff.

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How did you submit the CLI request, online, chat/agent?  What was the current CL amount and how much did you request?

As far as the HP, where are you seeing this - what source?

[Tiberius800]

My transunion got hit. Down 6pts.

I only have one credit card , its an amex, and its 3 months old.

I used the app and I just filled it out. I have $2k, I asked for $3k. The page errord out. I talked to chat, she said the system is down. Then I got an email today about the results of my request are available, click the link, etc... And credit karma emailed me about my transunion getting hit.

Can I get the hard pull removed?

[Brian_Earl_Spilner]

No, you can't get it removed. Sounds like the agent helping you submitted the CLI request for you. Typically when a lender does SPs, it should be done online only as involving a person has a higher chance of a HP.

[Anonymous]

That's unfortunate.  Sorry to hear.

[SPChaser]

@Tiberius800 just a suggestion but have you thought of freezing your accounts? Therefore no matter how you request a CLI in the future, you will be guaranteed not to incur a HP. I've done this for sometime now and never worry about a HP unless I allow it. 

[ChargedUp]

While Amex doing a HP isn't unheard of, I don't think I've ever heard of them doing a HP on anything but EX. Are you certain that HP came from Amex?