Amex Hard Search

maverickeastman

Hey...

First post!

I've had my AMEX for about a year and a bit now and was wondering whether a request for an increased credit limit will do a hard search on my hard earned credit score. I've been working on my score since moving to the UK about two years ago! I don't really need the credit limit bump, but I'm looking at cancelling other low limit cards. Is this a good idea?

I tried speaking to AMEX and no one can give me a clear answer as to whether they will do a hard or a soft search on my credit profile.

Please help.

Thanks in advance!

:beer:

M

stevenhp1987

Had my limit increased recently. No search performed at all, just used my payment history with Amex.

[Deleted User]

maverickeastman wrote: »

I've had my AMEX for about a year and a bit now and was wondering whether a request for an increased credit limit will do a hard search on my hard earned credit score.

They'll almost certainly do no search.

But remember your hard earned credit score is worthless in any case, so never worry yourself about that.

Nasqueron

On the offchance you came from a country like the US where credit scores matter, don't worry in the UK, the score is, at best, a guide. No lender ever sees the number and it never affects any application you make.



If you increase your limit, your score will drop but that doesn't mean anything.