Hi fello myFICOers,
Almost all credit card companies/organizations have multiple products (tiered or otherwise).
I am wondering if there are any companies/organizations that do a soft pull if an exisiting member applies for a second, third or nth card.
Amex, is the the only company/organization I know that does this - uses the member's existing profile and latest scores to generate pre-qualified offer(s). If a member applies to the said pre-qualified offer(s), its simply a SP.
On the flip side, companies/organizations such as PenFed, use the same HP (if a member has applied for a new CC) for for multiple products. But this is not the question.