Amex question

[Anonymous]

Just received my new Amex ED card. What a cool looking card it is.

I activated it through a cs rep. I asked about a cli upon activation. He told me it's a hard pull. I know that sometimes the cs reps are misinformed. So is it a hp or not?

[Anonymous]

---

@Anonymous wrote:
Just received my new Amex ED card. What a cool looking card it is.

I activated it through a cs rep. I asked about a cli upon activation. He told me it's a hard pull. I know that sometimes the cs reps are misinformed. So is it a hp or not?

---

No, it's an SP.  If you're denied you have to wait 90 days to try again.

[kdm31091]

Definitely a SP, just a 90 day wait if youre not succesful. If you are, its 180 days.

[Anonymous]

Should I do it online?

[Anonymous]

---

@Anonymous wrote:
Should I do it online?

---

If you're going to do it, do it online but you need to consider your chances of approval before trying 

[Anonymous]

What was your starting limit and Ex score when they approved the card?

[Anonymous]

3000 ex709 ex is now 692 due to apps

[Anonymous]

8 inquiries 692ex 9% util

[Anonymous]

How are my chances?

[Anonymous]

---

Kaylava wrote:
How are my chances?

---

50/50.  They've been cracking down on CLIs lately.  It's entirely up to you whether you try or not and are willing to wait 90 days to try again if declined.