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Ok, so I've decided I want to apply for the SPG AMEX card. I've been on the AMEX Oasis rebuilding program for just over a year now. I've been told by people on this board that when you request a cli from AMEX they do a hard pull. I'd like the SPG AMex, i'd like to request a cli on my low limit Optima, and I'd also like to apply for an AMEX Everyday card.
What's my best course of action, with the least amount of damage? If I apply for the SPG card, and Every Day card, back to back, and then call AMEX and request a cli on my Optima, will only 1 hardpull be used for all 3?
Should I call AMEX 1st and ask if I'm even eligibble for a cli and to apply for the other cards? Is that something they can answer for me, without doing a hard pull?
What are your current myFICO scores?
I think I read somewhere on this forum that when currently enrolled in the Oasis you'd have to close that card out first and apply for the regular cards. I could be wrong though.
@ojefferyo wrote:I think I read somewhere on this forum that when currently enrolled in the Oasis you'd have to close that card out first and apply for the regular cards. I could be wrong though.
I read that somewhere too, but apparently it's no longer the case! I've left more details on he Approval board!!!
oh good to hear!!
Is it because you are in Oasis that it will be HP for Cli? never heard that part before. But i did hear about closing out Optima
@taxi818 wrote:Is it because you are in Oasis that it will be HP for Cli? never heard that part before. But i did hear about closing out Optima
No, it was NOT a hard pull. I was told by others on this board that it would be, ut AMEX confirmed to me its only a soft pull.
Does anyone know if I apply for a 2nd card, will it be the same hard pull? And if so, how long of a window do I have for that?