<h2>Does Amex Do a Hard Pull for Existing Customers Reddit?</h2>
<p>If you're an existing American Express (Amex) customer, you might be wondering if the company will perform a hard credit pull when you apply for a new card. A hard credit pull is a type of credit inquiry that can temporarily lower your credit score. It's important to know whether Amex will do a hard pull before you apply for a new card, so you can make an informed decision.</p>
<p>The good news is that Amex typically does not do a hard pull for existing customers. However, there are a few exceptions to this rule. For example, if you've recently opened a new Amex card, the company may do a hard pull to verify your identity. Additionally, if you're applying for a high-limit card or a business card, Amex may also do a hard pull.</p>
<h3>How to Avoid a Hard Pull</h3>
<p>If you're worried about a hard pull, there are a few things you can do to avoid it. First, try to apply for a card that you're likely to be approved for. If you have a good credit score, you're more likely to be approved for a card with a higher limit.</p>
<p>Second, you can call Amex and ask if they will do a soft pull instead of a hard pull. A soft pull is a type of credit inquiry that does not affect your credit score. If Amex agrees to do a soft pull, you can be sure that your credit score will not be affected by the application.</p>
<h3>What to Do if You Get a Hard Pull</h3>
<p>If you do get a hard pull, don't panic. A hard pull will only temporarily lower your credit score. Your score will usually rebound within a few months.</p>
<p>If you're concerned about the impact of a hard pull, you can take steps to improve your credit score. You can do this by paying your bills on time, reducing your credit utilization ratio, and disputing any errors on your credit report.</p>
<h3>Conclusion</h3>
<p>Amex typically does not do hard pulls for existing customers. However, there are a few exceptions to this rule. If you're worried about a hard pull, there are a few things you can do to avoid it. If you do get a hard pull, don't panic. A hard pull will only temporarily lower your credit score.</p>
<p>Are you interested in learning more about how to avoid a hard credit pull when applying for a new credit card? If so, please leave a comment below.</p>
