djrez4 wrote:You think Amex is trying to get you to apply so your scores will be low enough that you can't get any more credit cards? Am I getting that right?
Amex doesn't care that much about you.
AMEX is a huge corporation where each product has multiple departments. While they might share some data it isn't like a centralized database / repository that everyone uses. Your invitation is just based on the shared data. So view it as an invitation to apply, assume a hard pull and be prepared for the result.