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I have a question regarding getting an Amex. I went to the pre-qualify site for Amex and entered the info required to prequlify. I was prequalified for the Amex Preferred Rewards Gold Card, and the Amex Green Preferred Rewards.
Amex's recommendation was the Gold Option, but both came up.
I have descent scores across the 3 bureaus, last time i pulled was:
TransUnion: 705
Equifax : 688
Experian (not sure), but when i got my mortgage 1.4 years ago, it was 20 points higher than Transunion.
Nothing on my bureaus has changed, excellent pmt history, and very low utilization 4%. AAoA is 5 years.
I've read on this board about the way Amex has been closing accounts, and CLD's alot of people, but i still want my first Amex.
Question is, should i apply with Amex or go with an Amex co-branded card through another bank, such as BOA or Citi.
Not sure if it is easier going through Amex itself, or another bank offering the co-brand.
I know these two offers are charge cards, whereas balance is due promptly on due date. That is no problem as my income would support it.
Thought i would run it through the board before wasting an inquiry.
Thanks, Tom
@MrChairman wrote:
I want a Amex card, that would virtually "complete" my portfolio of credit cards. My scores are about the same as yours but everytime I go to the pre qualify site I get the "No offers at this time" message. I will keep trying though
Maybe you have opted out?
@MrChairman wrote:
I don't think so. I have baddies on my report I am currently trying to get removed. One cap 1 charge off and a CO charge off. both paid and over 3 yrs old. I'm almost positive those are the reason. If I get both of them removed I will def be in the FICO high achivers club.
Since you responded I thought your report was clean. They don't like baddies.
hmmm...maybe thats why i dont get the same message. I opted out.
i havent had a baddie for over 5 years. i want to apply for the costco Amex card. I wonder if id get declined based on my baddies?
I got my first pre-approval in the mail about a month and half ago, I went online and they approved me for the Preffered Gold Rewards Card, 3 weeks later, I got another pre-approval from American Express and I applied again and was approved!!!! So I would say go for it! If you were pre-approved I'm sure they checked your credit (soft inquiry), It happen to me.
@Anonymous wrote:I got my first pre-approval in the mail about a month and half ago, I went online and they approved me for the Preffered Gold Rewards Card, 3 weeks later, I got another pre-approval from American Express and I applied again and was approved!!!! So I would say go for it! If you were pre-approved I'm sure they checked your credit (soft inquiry), It happen to me.
I don't know what AMEX does but I never saw as much as a soft pull when I did the pre app. It is possible one or more of the CRA data mine for them and when certain criteria are met they throw the pre app your way.
I just applied for National Bank of Omaha, American Express and recieved approval for $3K the next day. This is after applying for other cards, which gave me a higher balance and lowered my score to 655. Just some food for thought