FlyerTalk Forums - View Single Post - Will I get a hard pull from a pre-approved offer?
Old Apr 16, 2013 | 1:54 pm
  #18  
Jasper2
 
Join Date: Sep 2010
Posts: 33
Originally Posted by longhorn11
I believe you're right. When they send you this additional Amex it is not an additional credit pull since it's linked to the Visa.
It works just like an additional credit card for say, a family member. It is NOT additional credit. It's just an additional way to access the same credit card and line of credit. You don't get a bill from Amex. However, if you use the card, you may well increase your credit utilization which is potentially negative. There are no fees (other than interest if you carry a balance). As long as your new "Amex" card is linked to the primary card, there is no annual fee. On the other hand, if you cancel your primary card, you will pay the annual fee.

My brother was sent one of these cards without asking for it. He didn't get any additional miles, however.
Jasper2 is offline