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You've misread or been mis-informed.
If you request a credit line increase and are denied as an existing cardholder it will be a SP.
If you request a new line of credit, regardless of your customer standing, it will be a HP.
You can circumvent this rule by applying for a revolver and then a charge card in the same day, which will cause the pulls to merge.
@Involver wrote:You've misread or been mis-informed.
If you request a credit line increase and are denied as an existing cardholder it will be a SP.
If you request a new line of credit, regardless of your customer standing, it will be a HP.
You can circumvent this rule by applying for a revolver and then a charge card in the same day, which will cause the pulls to merge.
+1
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
@Involver wrote:You've misread or been mis-informed.
If you request a credit line increase and are denied as an existing cardholder it will be a SP.
If you request a new line of credit, regardless of your customer standing, it will be a HP.
You can circumvent this rule by applying for a revolver and then a charge card in the same day, which will cause the pulls to merge.
That's not correct.
A CLI request is almost always a SP with AMEX, whether approved or denied.
It used to be that if you were an existing card holder and you applied for a new card and were denied it was only a SP; but if approved it was a HP. However, things seem to be changing and some people are getting HPs even when denied.
@Anonymous wrote:
@Involver wrote:You've misread or been mis-informed.
If you request a credit line increase and are denied as an existing cardholder it will be a SP.
If you request a new line of credit, regardless of your customer standing, it will be a HP.
You can circumvent this rule by applying for a revolver and then a charge card in the same day, which will cause the pulls to merge.
That's not correct.
A CLI request is almost always a SP with AMEX, whether approved or denied.
It used to be that if you were an existing card holder and you applied for a new card and were denied it was only a SP; but if approved it was a HP. However, things seem to be changing and some people are getting HPs even when denied.
That's better!
Usually its a SP when denied, I thinking what happened was it was approved conditionally via SP so their system did a HP and didn't like what it saw and denied the app.
@Anonymous wrote:
@Involver wrote:You've misread or been mis-informed.
If you request a credit line increase and are denied as an existing cardholder it will be a SP.
If you request a new line of credit, regardless of your customer standing, it will be a HP.
You can circumvent this rule by applying for a revolver and then a charge card in the same day, which will cause the pulls to merge.
That's not correct.
A CLI request is almost always a SP with AMEX, whether approved or denied.
It used to be that if you were an existing card holder and you applied for a new card and were denied it was only a SP; but if approved it was a HP. However, things seem to be changing and some people are getting HPs even when denied.
When was it that a denial for a new line of credit was a soft pull?
Also, I never insinuated that a successful CLI request was a hard pull.
@Involver wrote:
@Anonymous wrote:
@Involver wrote:You've misread or been mis-informed.
If you request a credit line increase and are denied as an existing cardholder it will be a SP.
If you request a new line of credit, regardless of your customer standing, it will be a HP.
You can circumvent this rule by applying for a revolver and then a charge card in the same day, which will cause the pulls to merge.
That's not correct.
A CLI request is almost always a SP with AMEX, whether approved or denied.
It used to be that if you were an existing card holder and you applied for a new card and were denied it was only a SP; but if approved it was a HP. However, things seem to be changing and some people are getting HPs even when denied.
When was it that a denial for a new line of credit was a soft pull?
With Amex it was that way for years. Some people still get by with it; others don't.
@Anonymous wrote:
@Involver wrote:
@Anonymous wrote:
@Involver wrote:You've misread or been mis-informed.
If you request a credit line increase and are denied as an existing cardholder it will be a SP.
If you request a new line of credit, regardless of your customer standing, it will be a HP.
You can circumvent this rule by applying for a revolver and then a charge card in the same day, which will cause the pulls to merge.
That's not correct.
A CLI request is almost always a SP with AMEX, whether approved or denied.
It used to be that if you were an existing card holder and you applied for a new card and were denied it was only a SP; but if approved it was a HP. However, things seem to be changing and some people are getting HPs even when denied.
When was it that a denial for a new line of credit was a soft pull?
With Amex it was that way for years. Some people still get by with it; others don't.
+1 For years and years and more years
Now it's a YMMV even for existing clients some get a HP with a denial
Some still get a SP for denial