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Senior Contributor
score_building
Posts: 3,560
Registered: ‎01-10-2008
0

Re: AMEX Blue Cash: Approval????


smallfry wrote:

 


jahmal wrote:

October 2008.. Applied for Delta Skymiles credit card from American Express..  file pulled, EX, Fico score if I remember it right.. High 680's, Derog on report.. 3 judgments  4-5 yrs unpaid. 2 chargoffs 5-6 year. Income, 43K

 

Outcome: Approved 8K highest TL at the time.

 

I found it shocking I was approved


 

October 2008? Try that again now. I dare ya.:smileyvery-happy:

 


I double dog dare ya!! :smileyvery-happy:

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Regular Contributor
Locksley123
Posts: 128
Registered: ‎02-13-2009
0

Re: AMEX Blue Cash: Approval????

Can someone second that pre-approval link is only a soft pull?

Senior Contributor
score_building
Posts: 3,560
Registered: ‎01-10-2008
0

Re: AMEX Blue Cash: Approval????

+1 on the soft pull pre-app

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

Re: AMEX Blue Cash: Approval????

Most def a soft pull as a matter of fact I have never even seen any evidence that they pulled any reports at all. For what it's worth if you constantly use this pre app and do not accept any offers you will find they disappear for a period of time.

Regular Contributor
Locksley123
Posts: 128
Registered: ‎02-13-2009
0

Re: AMEX Blue Cash: Approval????

Guys,

Just trying to make sure I don't do anything stupid.

 

When I follow the link to AMEX website and click on "See Your Card Offers", I am prompted to log into my account. Fine. 

Next window I see is called Get The Card and there is a horizontal menu with following options:

1) Choose a card with our help

2) Compare cards by benefits

3) View all cards <-- this one is selected

4) Respond to a mail offer

 

View all cards options is selected and a drop down menu with 15 different cards is provided. It can't be that I am pre-approved for all these cards

 

Do I need to pick a card and apply to one of them or I am supposed to see something different?

Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

Re: AMEX Blue Cash: Approval????

 


maks1806 wrote:

Guys,

Just trying to make sure I don't do anything stupid.

 

When I follow the link to AMEX website and click on "See Your Card Offers", I am prompted to log into my account. Fine. 

Next window I see is called Get The Card and there is a horizontal menu with following options:

1) Choose a card with our help

2) Compare cards by benefits

3) View all cards <-- this one is selected

4) Respond to a mail offer

 

View all cards options is selected and a drop down menu with 15 different cards is provided. It can't be that I am pre-approved for all these cards

 

Do I need to pick a card and apply to one of them or I am supposed to see something different?


 

There is a link about in the middle of the page that says something like not a cardholder click here. Find that?

 

Regular Contributor
Locksley123
Posts: 128
Registered: ‎02-13-2009
0

Re: AMEX Blue Cash: Approval????

I actually used to be a cardholder, but my card was closed when AMEX went nuts. Does that matter at all?

 

My account log in still works though.

Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

Re: AMEX Blue Cash: Approval????

Not sure but if they went nuts why bother with them now? Try it as a non cardholder and see what they offer. A lot of people have seen pre approvals for their charge cards. I view this as a left handed compliment since they don't trust you to revolve a balance not that you would want to with AMEX anyway.

Regular Contributor
Locksley123
Posts: 128
Registered: ‎02-13-2009
0

Re: AMEX Blue Cash: Approval????

Doesn't mean I want to get one, just interested what I am pre-approved for.

 

Starwood preferred card has interesting ability to transfer points to pretty much any rewards system.

 

When you apply as a non-cardholder, is it also a soft pull?

Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

Re: AMEX Blue Cash: Approval????

Yes.


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