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Amex CLI

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n777ua
Established Contributor

Amex CLI

I apped and was approved for the Plum recently. I want to tru a CLI on my BCE. Will amex just look at the latest report; or will they pull a new one. Would it be hard or soft?
About $215,000 total credit among 11 cards
Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Amex CLI

Amex clis are always soft pulls. When you try for a CLI they use the ex report they obtained from the most recent time they softed you. 

 

Edit-depending on how recently you last opened the plum-they may use the same report they pulled when you were approved . To know for sure you could pull your report directly from experian.com. Not sure it would really matter which report they use unless something in your report has changed recently such as util, or some new inquiries. In any case, it will be a soft regardless of which report they base the decision on.

 

- Also since the plum is a business card rather than a personal card it may not show up on your personal credit reports at all, but ill defer on that one to someone who is a bit more knowledgeable in that particular area.

Message 2 of 4
Anonymous
Not applicable

Re: Amex CLI

Hard inquiries for Amex business cards will show up on personal credit report.

Message 3 of 4
n777ua
Established Contributor

Re: Amex CLI

CLI denied---i did my math wrong it hasnt quite been 6 mo since last CLI
About $215,000 total credit among 11 cards
Message 4 of 4
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