Can I find out what Amex SL would be from SP and avoid HP if I don't want it?

[Jnbmom]

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@tricklemoo wrote:

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@coldfusion wrote:

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@Jnbmom wrote:

No it doesn't show you the credit line beforehand . If you try and it says you are preaporoved, not expand your membership , most times it is a SP for existing member but nothing is guaranteed.

if that were the case I would have my lovely 2K Hilton and delta cards 🙄

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Can confirm from personal experience that she's right.

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Surely having all three profiles (or even just Ex) frozen or locked would prevent this from happening?

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No that's not always the case either .

[tricklemoo]

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@Jnbmom wrote:

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@tricklemoo wrote:

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@coldfusion wrote:

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@Jnbmom wrote:

No it doesn't show you the credit line beforehand . If you try and it says you are preaporoved, not expand your membership , most times it is a SP for existing member but nothing is guaranteed.

if that were the case I would have my lovely 2K Hilton and delta cards 🙄

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Can confirm from personal experience that she's right.

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Surely having all three profiles (or even just Ex) frozen or locked would prevent this from happening?

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No that's not always the case either .

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Can you elaborate? Entirely apart from this particular situation, it would be good to correct my knowledge if it is incorrect in regard to how freezing/locking works with HPs.
My understanding is that if a bureau is frozen or locked there is simply no way that a lender can get a hard pull. Can you clarify what exceptions would be to this?

[tricklemoo]

Update: I read another thread about someone rage-quitting a card (for other reasons, not low SL) immediately and people were replying that it might put you on the naughty list with the lender. I didn't think of that before, but should have. I don't really want Amex to have a mark on my file saying 'don't approve her, she might just immediately close the TL'. Too many potential future cards might be interested in or with growing my existing ones. So won't be applying for this reason alone.

[GZG]

@tricklemoo 

if you apply with your reports frozen, you will not be HP'd, Amex may decline for this reason, and hopefully they say that if it's the case.

if you apply not logged in, you will see the 'apply with confidence' language and you will still have the option to accept or decline the card if it is offered to you even as a current customer. You probably still have the option to accept or decline when logged in, but I wouldn't risk that. 

if approved, and before you accept the approved offer, you won't be shown your SL. Further, you won't know if your SL for the card will be new credit (minimum $1k), or credit taken (entirely?) from your other credit products. You should be able to take credit from your other personal credit products and transfer it to the new card after approval, once every 30 days.  

personal to personal 

personal to business

business to business

but not business to personal

re: the rage thread where the person with the 1k SL closed their account, we have somebody here that went from $1k - $3k  - $9k - $27k in less than a year. If your spending permits higher limits, Amex seems to give higher limits. 

[Jnbmom]

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@tricklemoo wrote:

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@Jnbmom wrote:

---

@tricklemoo wrote:

---

@coldfusion wrote:

---

@Jnbmom wrote:

No it doesn't show you the credit line beforehand . If you try and it says you are preaporoved, not expand your membership , most times it is a SP for existing member but nothing is guaranteed.

if that were the case I would have my lovely 2K Hilton and delta cards 🙄

---

Can confirm from personal experience that she's right.

---

Surely having all three profiles (or even just Ex) frozen or locked would prevent this from happening?

---

No that's not always the case either .

---

Can you elaborate? Entirely apart from this particular situation, it would be good to correct my knowledge if it is incorrect in regard to how freezing/locking works with HPs.
My understanding is that if a bureau is frozen or locked there is simply no way that a lender can get a hard pull. Can you clarify what exceptions would be to this?

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Some lenders who can't pull because your accounts are frozen will simply not process your application and ask you to unlock your reports . 

[tricklemoo]

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@Jnbmom wrote:

---

@tricklemoo wrote:

---

@Jnbmom wrote:

---

@tricklemoo wrote:

---

@coldfusion wrote:

---

@Jnbmom wrote:

No it doesn't show you the credit line beforehand . If you try and it says you are preaporoved, not expand your membership , most times it is a SP for existing member but nothing is guaranteed.

if that were the case I would have my lovely 2K Hilton and delta cards 🙄

---

Can confirm from personal experience that she's right.

---

Surely having all three profiles (or even just Ex) frozen or locked would prevent this from happening?

---

No that's not always the case either .

---

Can you elaborate? Entirely apart from this particular situation, it would be good to correct my knowledge if it is incorrect in regard to how freezing/locking works with HPs.
My understanding is that if a bureau is frozen or locked there is simply no way that a lender can get a hard pull. Can you clarify what exceptions would be to this?

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Some lenders who can't pull because your accounts are frozen will simply not process your application and ask you to unlock your reports . 

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Ok, good. That's what I've always understood. That's why I was saying that since my accounts are locked I can't accidently get a hardpull, then I thought you were saying 'that's not always the case'. But seems it is always the case (that having your account locked prevents a hardpull)?
 
I never thought or was saying that you always get a SP only new card with Amex. I've always known that's not the case. What I was saying is that you have control over whether you get a hardpull or not, because you can lock your accounts and just not finish the application or take the decline if they won't do it with the SP only.

[tricklemoo]

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@GZG wrote:

@tricklemoo 

if you apply with your reports frozen, you will not be HP'd, Amex may decline for this reason, and hopefully they say that if it's the case.

if you apply not logged in, you will see the 'apply with confidence' language and you will still have the option to accept or decline the card if it is offered to you even as a current customer. You probably still have the option to accept or decline when logged in, but I wouldn't risk that. 

if approved, and before you accept the approved offer, you won't be shown your SL. Further, you won't know if your SL for the card will be new credit (minimum $1k), or credit taken (entirely?) from your other credit products. You should be able to take credit from your other personal credit products and transfer it to the new card after approval, once every 30 days. 

re: the rage thread where the person with the 1k SL closed their account, we have somebody here that went from $1k - $3k  - $9k - $27k in less than a year. If your spending permits higher limits, Amex seems to give higher limits. 

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Thanks for the heads up that you can move your own credit between products with Amex every 30 days. Genuinely didn't realise that. Had they paused that feature for a while and then re-started it? If that's the case I'm going to move some from my BCE to Cash Magnet.

I'm well aware tons of people grow Amex cards very quickly. I specified that I didn't want to do that in this case not because I'm not aware of that, but because it's not something I'm intersted in personally. And I'm not interested because they refuse to give me CLIs on either card, even on zero balance cards with an EX score of 720. But I've seen cases of new cards being given decent or good SLs even when someone is being frozen out for CLIs.