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Frequent Contributor
sghosh5
Posts: 455
Registered: ‎02-28-2013

AMEX message online after login

[ Edited ]

We got this message online from AMEX. Does it mean we are almost approved?

 

Multiply your rewards with 3X points for flights booked with airlines, 2X points at U.S. gas stations and U.S. supermarkets, and 1X points on other purchases. Apply for the premier rewards gold card, you're pre-approved! Terms and limitations apply.


Starting Score: EQ: 499 (02/2013)
Current Score: EX: 694, EQ: 668, TU: 706
Goal Score: 750

CHASE Freedom: $1K, CHASE Sapphire: $5K, Barclay Arrival+: $5K, Cap One Venture:$3K,Cap One QS: $3K, AMEX BCE(AU):$3.9K, AMEX BCE: $1K, AMEX Green, AMEX PRG, Discover(AU): $4.7K, DISCOVER IT: $1.5K, CITI Platinum Select(AU):$2.8K, Southwest Premier: $2K, Express:$500, Paypal SC: $2.8K, Amazon Store: $2.1K, Macys:$6.3K, Walmart: $950
Mega Contributor
Creditaddict
Posts: 18,928
Registered: ‎10-23-2007

Re: AMEX message online after login


sghosh5 wrote:

We got this message online from AMEX. Does it mean we are almost approved?

 

Multiply your rewards with 3X points for flights booked with airlines, 2X points at U.S. gas stations and U.S. supermarkets, and 1X points on other purchases. Apply for the Premier Rewards Gold Card, you're pre-approved! Terms and limitations apply.


If you have blue already... charge cards a given for approval!

Usually you use a charge card to get foot in door if you can't get approved for credit card from amex or if you need a much higher spend limit then a credit card will give you

Fico Scores: EQ 657 Cabelas, TU 665 GE, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Valued Contributor
parakleet
Posts: 1,135
Registered: ‎04-13-2013

Re: AMEX message online after login

Pre-approval is a good sign but not a guarantee. On the flip side, since you already have an Amex, if you app and are denied, then it will only be a SP. If approved, then it will be a HP.


Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Frequent Contributor
sghosh5
Posts: 455
Registered: ‎02-28-2013

Re: AMEX message online after login

yeah we already have BCE from AMEX since Mar 2012 and paying almost full to leave 10% Util on the card


Starting Score: EQ: 499 (02/2013)
Current Score: EX: 694, EQ: 668, TU: 706
Goal Score: 750

CHASE Freedom: $1K, CHASE Sapphire: $5K, Barclay Arrival+: $5K, Cap One Venture:$3K,Cap One QS: $3K, AMEX BCE(AU):$3.9K, AMEX BCE: $1K, AMEX Green, AMEX PRG, Discover(AU): $4.7K, DISCOVER IT: $1.5K, CITI Platinum Select(AU):$2.8K, Southwest Premier: $2K, Express:$500, Paypal SC: $2.8K, Amazon Store: $2.1K, Macys:$6.3K, Walmart: $950
Frequent Contributor
sghosh5
Posts: 455
Registered: ‎02-28-2013

Re: AMEX message online after login

Thats really good to know. So applying for it wont harm anyway if declined.


Starting Score: EQ: 499 (02/2013)
Current Score: EX: 694, EQ: 668, TU: 706
Goal Score: 750

CHASE Freedom: $1K, CHASE Sapphire: $5K, Barclay Arrival+: $5K, Cap One Venture:$3K,Cap One QS: $3K, AMEX BCE(AU):$3.9K, AMEX BCE: $1K, AMEX Green, AMEX PRG, Discover(AU): $4.7K, DISCOVER IT: $1.5K, CITI Platinum Select(AU):$2.8K, Southwest Premier: $2K, Express:$500, Paypal SC: $2.8K, Amazon Store: $2.1K, Macys:$6.3K, Walmart: $950
Mega Contributor
Creditaddict
Posts: 18,928
Registered: ‎10-23-2007

Re: AMEX message online after login


sghosh5 wrote:

yeah we already have BCE from AMEX since Mar 2012 and paying almost full to leave 10% Util on the card


you have had the card for over a year and have not CLI??!!! 3x NOW!

Fico Scores: EQ 657 Cabelas, TU 665 GE, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Frequent Contributor
sghosh5
Posts: 455
Registered: ‎02-28-2013

Re: AMEX message online after login

We asked for CLI last month and unfortunately AMEX turned it down saying high balance on other card and loan. My wife is the primary owner of the card and she just had an auto loan of 21000 in february this year. So understandably the balance on the loan will be high but then she had perfect credit history (not long though) and scores are around 720 over the board. AMEX denied for CLI even though we pay almost full every month to it.


Starting Score: EQ: 499 (02/2013)
Current Score: EX: 694, EQ: 668, TU: 706
Goal Score: 750

CHASE Freedom: $1K, CHASE Sapphire: $5K, Barclay Arrival+: $5K, Cap One Venture:$3K,Cap One QS: $3K, AMEX BCE(AU):$3.9K, AMEX BCE: $1K, AMEX Green, AMEX PRG, Discover(AU): $4.7K, DISCOVER IT: $1.5K, CITI Platinum Select(AU):$2.8K, Southwest Premier: $2K, Express:$500, Paypal SC: $2.8K, Amazon Store: $2.1K, Macys:$6.3K, Walmart: $950
Senior Contributor
longtimelurker
Posts: 5,480
Registered: ‎04-22-2013

Re: AMEX message online after login


sghosh5 wrote:

Thats really good to know. So applying for it wont harm anyway if declined.


Yes, just a SP.   BTW, the offer may come and go.   I had the same offer on my online account for several days, when I looked at all cards I saw I was preapproved for the  Green as well as the PRG.  A few days later the message was replaced by a 50K offer for the Plat, which switched back to the PRG after a few days and so on.   So I guess they want people to sign up!

Most active cards: Amex BC ($50K), Cap One QS ($33K) Fidelity Amex ($20K)
Others: CSP, Freedom, Chase Amazon, Cap One QS, Penfed Plat Rewards (x2), Citi TY Preferred, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus
Scores May 14: EQ 848, EX 833, TU 841 (Jul)
Mega Contributor
Creditaddict
Posts: 18,928
Registered: ‎10-23-2007

Re: AMEX message online after login

Id take the charge card... put all the spending you can on it for a few months and I bet you will then get approved your CLI on blue!

Fico Scores: EQ 657 Cabelas, TU 665 GE, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Frequent Contributor
sghosh5
Posts: 455
Registered: ‎02-28-2013

Re: AMEX message online after login

Thanks for all your suggestions. 


Starting Score: EQ: 499 (02/2013)
Current Score: EX: 694, EQ: 668, TU: 706
Goal Score: 750

CHASE Freedom: $1K, CHASE Sapphire: $5K, Barclay Arrival+: $5K, Cap One Venture:$3K,Cap One QS: $3K, AMEX BCE(AU):$3.9K, AMEX BCE: $1K, AMEX Green, AMEX PRG, Discover(AU): $4.7K, DISCOVER IT: $1.5K, CITI Platinum Select(AU):$2.8K, Southwest Premier: $2K, Express:$500, Paypal SC: $2.8K, Amazon Store: $2.1K, Macys:$6.3K, Walmart: $950

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