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@Anonymouswrote:
This morning I requested CLI for my Amex spg card, and just now credit karma told me Amex hard pulled my TU and EQ credit reports... I checked online and the limit is still unchanged. Is it normal?
Not from what I've seen. I just received a CLI in Dec and no HP and app'd for a new card last month and no HP.
I would request a credit bureau report for all the and make sure everything is ok. Reason being you being denied credit.. 😉
@Shadowfactorwrote:
If it turns out it was denied I would request a copy of those reports with the denial letter. That is , if you don’t have a credit monitoring service that you can review your reports.
I know you can start a dispute on EX and EQ just to get a copy of today’s reports. You don’t actually have to dispute anything but it will let you see your credit reports. Not sure if that works on TU. I would assume it does.
Keep us updated. Other members might have more on why it happened. It’s normally a SP though.
Please tread lightly with this kind of conversation. There are other ways for consumers to obtain a copy of their credit report without having to use deceptive manners. If the OP was indeed declined, then he or she is entitled to a free copy of their report from the reporting agency that provided the information to the lender. However, starting a dispute without merit/reason just to obtain a copy of a report is frown upon around here. Thank you for your cooperation and understanding.
Update: Thanks guys for your kind help. Today I received the letter from Amex. The denial reason is "insufficient established credit". I also checked my credit reports and there is nothing abnormal... I guess Amex just doesn't like my profile...
@Anonymouswrote:Update: Thanks guys for your kind help. Today I received the letter from Amex. The denial reason is "insufficient established credit". I also checked my credit reports and there is nothing abnormal... I guess Amex just doesn't like my profile...
Nope, just got to garden, use it and pay.
whats your CR Look like?