If your already an Amex card holder any new cards would be a soft pull. I believe CLI are also but not certain.
@AndyK90 wrote:Hi everyone,
I recently went through a rebuild and have been steady getting back into AMEX good graces after burning them a number of years ago. Back in 2019 they reached out to me regarding their Optima program and I accepted. After a year with the Optima card and always paying off my balance, I checked their site for preapprovals and was able to get a BCP with a 1K limit. I assume the limit was them being generous with a card due to previous history.
Since having the BCP, I have not received an CLI despite paying my balance in full every statement. I tried after my first 90 days with the card had passed and was denied a CLI and have not tried again since.
Fast forward to now and I was looking at trying my hand at the CLI link again since its been over a year since I tried last time. However, I was also debating if it that card was bucketed would it just be worth applying for a new AMEX on their site instead (No preapprovals as of now).
With that said though, if I decide to go the new card route, I wanted to know if it was a SP or HP since I already have two cards (Optima, BCP) with them.
I heard recently that Amex would let you apply for a card and it would only be a SP if you own an AMEX already but was not sure if that was true in all cases. I also heard something to the effect that AMEX would let you apply for a card and then if you are approved and accept the card does it affect your score.
Wanted to see if there was a clear answer, if not I think I may try my hand at a CLI again. Any help is appreciated, thanks in advance,
Smash it. Just got a auto and SP CLI's in 2 days and started at $1000 like you.
@coldfusion wrote:
That claim has been debunked here multiple times over the last several years as multiple members experienced firsthand that the "always a SP for current cardholders" claim for new applications is bogus. In my case cards #1, #4, and #8 each triggered an Experian hard pull.
I was going by personal experience as all my cards have been soft pulls after the first one. Thanks for pointing that out I stand corrected.
@AndyK90 wrote:Hi everyone,
I recently went through a rebuild and have been steady getting back into AMEX good graces after burning them a number of years ago. Back in 2019 they reached out to me regarding their Optima program and I accepted. After a year with the Optima card and always paying off my balance, I checked their site for preapprovals and was able to get a BCP with a 1K limit. I assume the limit was them being generous with a card due to previous history.
Since having the BCP, I have not received an CLI despite paying my balance in full every statement. I tried after my first 90 days with the card had passed and was denied a CLI and have not tried again since.
Fast forward to now and I was looking at trying my hand at the CLI link again since its been over a year since I tried last time. However, I was also debating if it that card was bucketed would it just be worth applying for a new AMEX on their site instead (No preapprovals as of now).
With that said though, if I decide to go the new card route, I wanted to know if it was a SP or HP since I already have two cards (Optima, BCP) with them.
I heard recently that Amex would let you apply for a card and it would only be a SP if you own an AMEX already but was not sure if that was true in all cases. I also heard something to the effect that AMEX would let you apply for a card and then if you are approved and accept the card does it affect your score.
Wanted to see if there was a clear answer, if not I think I may try my hand at a CLI again. Any help is appreciated, thanks in advance,
AMEX isn't Capital One, they don't "bucket" cards. Ask for a CLI as often as you want, once approved then wait 181 days to ask again. Done and done.
8/22/24