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  1. #1
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    Default Hard or Soft pull for card upgrade?

    I was thinking about upgrading my Amex Blue to a BCP, and was wondering if AmEx would have to do a hard pull or just a soft. Anyone know? Also, if they do have to do a hard pull, can I ask them for a CLI in addition to the upgrade using the same hard pull?
    Amex Platinum
    Amex BCP 15K
    Amex SPG 5K
    Capital One Venture Visa Sig 7.5K
    Chase Sapphire Preferred Visa Sig 23.5K
    Credit Union Visa Platinum 10K
    Discover IT 5.75K
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  2. #2
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    They didnt hard pull when i upgraded
    Credit Cards
    Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

    Not Used
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  3. #3
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    If you upgrade, you don't get a signup bonus. Ask yourself, is the hard pull worth $150 to you? If so, apply for the BCP and cancel the Blue. If not, do the upgrade.
    - Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -
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  4. Centurion Member
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    Quote Originally Posted by djrez4 View Post
    If you upgrade, you don't get a signup bonus. Ask yourself, is the hard pull worth $150 to you? If so, apply for the BCP and cancel the Blue. If not, do the upgrade.
    $150? What signup bonus are you referring to? I didn't see one when I was looking at the BCP, and if there was one, wouldn't it only be available to new cardmembers?
    Amex Platinum
    Amex BCP 15K
    Amex SPG 5K
    Capital One Venture Visa Sig 7.5K
    Chase Sapphire Preferred Visa Sig 23.5K
    Credit Union Visa Platinum 10K
    Discover IT 5.75K
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  5. #5
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    Never mind. I found all the info. Somehow the AmEx website remebers my ip address or something because even when I'm logged out it still gives me an option to upgrade instead of apply, and it doesn't say anything about the 150. It does when I used my phone though. I may have to think about it, but it seems like 150 bucks is worth a hard pull. That's a pretty good signup bonus, imo.
    Amex Platinum
    Amex BCP 15K
    Amex SPG 5K
    Capital One Venture Visa Sig 7.5K
    Chase Sapphire Preferred Visa Sig 23.5K
    Credit Union Visa Platinum 10K
    Discover IT 5.75K
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  6. #6
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    Use an incognito tab when you apply.
    - Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -
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  7. #7
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    I have about 6 inquiries in the last 24 months. Think that's too many?
    Amex Platinum
    Amex BCP 15K
    Amex SPG 5K
    Capital One Venture Visa Sig 7.5K
    Chase Sapphire Preferred Visa Sig 23.5K
    Credit Union Visa Platinum 10K
    Discover IT 5.75K
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  8. Centurion Member Calipso's Avatar
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    Quote Originally Posted by Robrus1 View Post
    I have about 6 inquiries in the last 24 months. Think that's too many?

    I have 13 on Experian in 6 months. I think you're fine.
    My Limits:
    NFCU NavCheck: $15,000/NFCU Platinum: $10,000/NFCU nRewards: $8,000
    Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/Chase Freedom: $4,500/
    /Southwest: $3,000
    Citi Hilton HHonors: $8,300/Citi Simplicity: $6,800/Citi Forward: $4,100
    AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Hilton HHonors: $3,400/AMEX Delta Skymiles Gold: $2,000
    Discover IT: $7,700
    Barclay's NFL Extra Points (Carolina Panthers): $5,000
    DCU Platinum: $3,000
    RTN FCU CC: $2,000
    CCCU Platinum Rewards Visa: $2,000

    Current total limit: $113,800
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  9. #9
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    Quote Originally Posted by Calipso View Post
    I have 13 on Experian in 6 months. I think you're fine.
    13 is a bit much in 2 years. I guarantee your score will go up if you let some of those knock off. A hard pull stays on your file for 24 months.
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  10. #10
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    Quote Originally Posted by Robrus1 View Post
    I was thinking about upgrading my Amex Blue to a BCP, and was wondering if AmEx would have to do a hard pull or just a soft. Anyone know? Also, if they do have to do a hard pull, can I ask them for a CLI in addition to the upgrade using the same hard pull?
    do you mean from blue to blue cash preferred or do you mean the basic blue cash to the blue cash preferred?
    If you mean Blue I don't think you can upgrade because the Blue is a travel card, the blue cash preferred is a cash back card.
    If you meant the basic blue cash to the blue cash preferred, all it is an upgrade , you keep the same account number No Hard pull.
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