Is card upgrade/downgrade hard or soft pull?

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agp
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Is card upgrade/downgrade hard or soft pull?

Postby agp » Mon Jun 04, 2012 8:06 pm

When you are asking to upgrade or downgrade a card, does the bank usually check your credit? Is so, is it a hard or a soft pull?

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred


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danpass
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Postby danpass » Mon Jun 04, 2012 8:55 pm

my amex gold to plat upgrade was a soft pull

Moneytalks
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Postby Moneytalks » Mon Jun 04, 2012 11:30 pm

danpass wrote:my amex gold to plat upgrade was a soft pull


Kind of off topic Danpass, but when you upgraded, what was the application like? Or was it just a click "Upgrade" and they approve you or not?
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)

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danpass
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Postby danpass » Tue Jun 05, 2012 11:46 am

Moneytalks wrote:Kind of off topic Danpass, but when you upgraded, what was the application like? Or was it just a click "Upgrade" and they approve you or not?

It was a floater ad upon amex login. Two clicks later and the Plat was on the way lol. I'm not sure that I even filled anything out.

agp
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Postby agp » Tue Jun 05, 2012 7:58 pm

Anytime you downgrade to gold or green let us know if they pull your score :D

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

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danpass
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Postby danpass » Wed Jun 06, 2012 9:49 am

I have a green for personal stuff. waiting to see what type of upgrade offer may pop pup :D



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