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From what i read the 3x amex sometimes doesn't pull a hard inquiry. I would verify with a CSR whether it will be a hard pull or not! If it's a soft pull, then go for the Amex CLI THEN apply for Citi You can have your cake and eat it too!!
@youngandcreditwrthy wrote:
That's a great point! I am assuming that they would base my 3xcli on a sp from the previous two weeks before the request. I did read, however, that Amex has a service that alerts them when cardmembers accrue hps..... Is this true? Amex has me scared!!!! The Citi Diamond Preferred card would just absolutely complete my collection! Lol
I think (may need some clarification on this) that with a HP and a SP you get the same info, its just coded different. So if AMEX softs you the could still see the INQs.
@beb86 wrote:
@youngandcreditwrthy wrote:
That's a great point! I am assuming that they would base my 3xcli on a sp from the previous two weeks before the request. I did read, however, that Amex has a service that alerts them when cardmembers accrue hps..... Is this true? Amex has me scared!!!! The Citi Diamond Preferred card would just absolutely complete my collection! LolI think (may need some clarification on this) that with a HP and a SP you get the same info, its just coded different. So if AMEX softs you the could still see the INQs.
I do believe you are correct.
I got my AMEX 3x CLI ($1k>$3k) with 15 inquiries showing on my record...
@youngandcreditwrthy wrote:
I am worried they would see a hp from Citi and deny my 3xcli.... Valid concern?
Yes