FlyerTalk Forums - View Single Post - Avoiding rejection when applying for CC

Apr 9, 2015 | 9:44 am

#8

Kamalaasaa

Join Date: Aug 2013

Location: Olde Dominion

Programs: DL Silver - uh huh!

Posts: 948

Quote:

Originally Posted by stupidzbu

when you get an offer to UPGRADE an amex product to one that has a higher annual fee and better benefits, AMEX does NOT do a hard pull, which is what you normally get when you apply for a credit card

instead, they do a SOFT pull, which means they get (possibly limited) information to check that you don't have any delinquencies and that's it

it does not negatively affect your credit score and shouldn't negatively affect your amex CC. you either qualify for the upgrade or do not, no retribution from AMEX

Thanks for the explanation! That is good information to know.

Especially since the Gold card does not have an annual fee for the first year. I can always convert back to the no-fee basic card after the year is over.

Last edited by Kamalaasaa; Apr 9, 2015 at 9:45 am Reason: Needed to add info to response.

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