Amex 3c CLI at 61 days question

[Anonymous]

So i am almost at 30 days for my BCE. I know Amex does a soft pull for the 3x CLI at 60/61 days. My question is do they do a soft pull when you request it? Or if they soft pull periodically and go off of that soft pull, if so how can I check my last soft pull from Amex and what credit bureau do they soft pull from?

[Anonymous]

http://ficoforums.myfico.com/t5/Credit-Card-Applications/The-Definitive-Amex-3X-CLI-Guide/m-p/466828...

Search feature worked for me.

[Anonymous]

Passive aggressive much? Thanks for the copy and paste.

[Anonymous]

They use your last soft pull...they don't pull a new one when you request it. If you get a copy of your actual credit report, you can see the soft pulls on there.

[RonM21]

Agree, I think it's your last SP. Most lenders won't do it just by you asking for it, for whatever reason.

[Anonymous]

Wonder what the real difference between a lender soft pull and hard pull is. I kinda imagine it's like them pull a credit karma type report with no score

[Anonymous]

I would imagine that in addition to the SP, Amex also likely looks at your first 2 billing cycles at things like usage on the card, reported balance amount (% relative to limit) etc.  I assume that the account activity over the course of the first 61 days can matter almost as much as the SP that they are using for the requested CLI.

[Anonymous]

---

@Anonymous wrote:

I would imagine that in addition to the SP, Amex also likely looks at your first 2 billing cycles at things like usage on the card, reported balance amount (% relative to limit) etc.  I assume that the account activity over the course of the first 61 days can matter almost as much as the SP that they are using for the requested CLI.

---

That's definitely an interesting thought. I got my 3xCLI last week at the 61 day mark (1k to 3k) and I did make sure to keep my balance low entering the statement closing date. I spent around $1,500 on the card in those 61 days too. I also think that AmEx doesn't like to see a lot of activity since you got the card...I've read some people were denied even with good scores, so I made sure to not do anything in those 60 days.