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Discussion in 'Credit Talk' started by Momof3, Mar 18, 2001.
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That's also exactly how Amex does it. If you apply, you either get an instant increase for which you're pre-approved (no questions asked), or - if one isn't availale - asked to give employment info + hard inquiry and then get a manual decision within a few business days.
I just tried it earlier this week. It was instant allright. It did not ask me for any questions. If just automatically popped up with a denial, and listed the CRA (I don't remember which CRA)
Thanks Saar, now I know Amex does this as well, good info for future references I hope But I think when I am eligible to try on my gold card, I will hesitate if it's not automatic and may wait til it is. And yes with the instant increase no hard inquiry.
They are do that.
December 2000 I clicked credit line increase and it lead me to put all the information such as bank acccount#, Job and amount I want to increase. Then I put 3500 then I got instant screen telling me that they approved me for 2000 for the rest the will notify me by mail.
5 days later I got the mail telling me that I have been approved for the rest $1500. And they pulled hard inquiry on me (TransUnion)