What are your scores?
How soon did you get an Amex? Just wondering at what score you got it.
If you have an AmEx why bother with those **bleep** cards? As soon as I can get an Amex my Cap 1 are gooooone
Its best to have mastecard or visa in the mix as well because not everyplace take AMEX due to their high merchant fees.
I believe Cap One is also doing HP's on all three bureaus for each CLI request.
CapOne absolutely does 3xHP on all NEW applications, but should be a SP. My last 2 requests resulted in SPs, and according to Doctor of Credit, it's a SP as well.
If the creditor is initiating their own determination of whether to grant a CLI (or that matter, take any other action on the account), that is an internal account review, and if coded as an Account Review (AR) inquiry, is a soft pull.
However, it a consumer initiates a request for new or increased credit, which includes a request for an increase in CLI, that provides permissible purpose under FCRA 604 for the inquiry to be coded as hard.
Some creditors may code a consumer initiated request for a CLI as soft, but if they do code as hard, there is no basis for dispute of its inclusion in your CR as a hard inquiry. You take your chances when requesting a CLI that they may post a hard pull.