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Amex pre-approval but denied.

Established Member

Amex pre-approval but denied.

Wondering if anyone has went through the pre-approval Amex but denied.  I was pre-appoved for the ED, BCE and BCP.  After going through the process I was denied for the BCE card. My EX is 655.  No collections but was late on my BofA card three months in a row in 2015  Has this happened to anyone else? 

Message 1 of 8
7 REPLIES
Contributor

Re: Amex pre-approval but denied.

hm thats weird ive read that amex preapprovals are pretty solid what reason did they give for the denial? if you dont know check the app here

 

www262.americanexpress.com/eaol/welcome.do




Gardening til September 2018

Message 2 of 8
Frequent Contributor

Re: Amex pre-approval but denied.

It’s happened to me twice...but I’m on the blacklist due to burning Amex in BK. They’ve given me pre-quals twice...getting my hopes up.

Your score could be what caused the decline. They could have based the pre-qual on an earlier score.
RBFCU Premier $25K, Sam’s Club MC $20K, Cap1 Venture $20K, Navy GoRewards $10K, PenFed Power Cash $10K, PenFed PLOC $10k, Navy Platinum $5.7K, SMG $4K, PenFed Promise $2.5K, Total Rewards $1.5K, Discover It $1.1K, Cap One QS1 $850, Overstock $13.9K,
DC BK13 3/17....TU clean due to EE as of 12/17! EX clean as of 4/18!
Message 3 of 8
Established Member

Re: Amex pre-approval but denied.

I’ll recon tomorrow and see if they will reconsider.  

Message 4 of 8
Established Contributor

Re: Amex pre-approval but denied.

Yes and I was pre-approved for BCE, ED and BCP. My score was 671 at that time. This was before I found this forum.


FICO 08 (Apr 2018): EX 651 / EQ 649 / TU 686 - Gardening until 08/31/18!
Message 5 of 8
Valued Contributor

Re: Amex pre-approval but denied.

Hmm, other baddies possibly?

Let us know how the recon goes.


FICO 8 EQ 727, EX 719, TU 731
FICO 9 EQ 746
Message 6 of 8
Frequent Contributor

Re: Amex pre-approval but denied.

Hi @GMoney

 

Have you applied with them within 90 days? I have run into this situation with them. Showing several pre-quals, but if you have either applied or have been approved for one or two of their products within 90 days they will decline, but if everything with your credit stays the same after the 90 days and you still show pre-approved, good chance of approval.

Message 7 of 8
Established Member

Re: Amex pre-approval but denied.


@mandm5698 wrote:

Hi @GMoney

 

Have you applied with them within 90 days? I have run into this situation with them. Showing several pre-quals, but if you have either applied or have been approved for one or two of their products within 90 days they will decline, but if everything with your credit stays the same after the 90 days and you still show pre-approved, good chance of approval.



Called and was told to give them 3-5 business days to recieva an email with a decision.  

Message 8 of 8