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Contributor
Posts: 88
Registered: ‎05-22-2007
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American Expresss Special Card Offer --What exactly is this? And is it a Soft or Hard?

This is copy of American Express online appilcation

  

Complete the short form below and find out if you are eligible for any Special Card Offers.

Note: This is not an application for credit and will not affect your credit rating (see below for details).

* Please fill in valid information for fields in red.
First Name
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Social Security #
lockWhy do we ask for your Social Security number?
Your Social Security number helps us process your request to see if there are any special offers for you.
This is not an application for credit. The information you provide will be used for the sole purpose of determining if you qualify for any special Card offers. This determination may include an inquiry with a credit bureau, which will not affect your credit rating. Qualification for special offers does not guarantee account approval. If you qualify for any special Card offers, you will receive an invitation to apply for a Card. By clicking the submit button you agree to the above.
Super Contributor
Posts: 6,026
Registered: ‎09-18-2007
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Re: American Expresss Special Card Offer --What exactly is this? And is it a Soft or Hard?

It is a soft.
Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
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Re: American Expresss Special Card Offer --What exactly is this? And is it a Soft or Hard?

Most definitely a soft.
Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
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Re: American Expresss Special Card Offer --What exactly is this? And is it a Soft or Hard?

Here's how you can tell that it's a soft:
Note: This is not an application for credit and will not affect your credit rating (see below for details).


What this is, is the AmEx pre-qual site. It will let you know if you've already met the basic qualifications for one or more of their cards, and it will also let them know that you're curious. If you've already hit their lists on a card or cards, it/ they will pop up, and you can decide whether to apply. It used to be that you would "accept" one of these cards, but now I'm pretty sure that you have to apply. If you take this additional step, there will be a hard inq, as you are asking for credit.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Senior Contributor
Posts: 4,294
Registered: ‎05-01-2008
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Re: American Expresss Special Card Offer --What exactly is this? And is it a Soft or Hard?

Hey william....where are you seeing this?  I checked their site & saw nothing like that.


Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 07/2015 TU 730 - EQ 699 - EX 724
Goal Score: 850

Bury me in the garden...last app 08.09.15

Regular Contributor
Posts: 192
Registered: ‎12-06-2008
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Re: American Expresss Special Card Offer --What exactly is this? And is it a Soft or Hard?

It's right here: https://www201.americanexpress.com/secure/my-special-offers

 

I couldn't get the insert link to work right for some reason.

Senior Contributor
Posts: 4,294
Registered: ‎05-01-2008
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Re: American Expresss Special Card Offer --What exactly is this? And is it a Soft or Hard?

Ok...yeah, I saw that & all they asked for was my name, email addy & zip.  Nothing like what was posted in the first one here.  Smiley Mad


Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 07/2015 TU 730 - EQ 699 - EX 724
Goal Score: 850

Bury me in the garden...last app 08.09.15

Regular Contributor
Posts: 192
Registered: ‎12-06-2008
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Re: American Expresss Special Card Offer --What exactly is this? And is it a Soft or Hard?

[ Edited ]
That's very odd, I just checked it again and when I click on "not a cardmember yet" it is exactly the same as the first post. I don't know why you see a different one.
Message Edited by Cyrion on 11-24-2009 06:39 AM
Senior Contributor
Posts: 4,294
Registered: ‎05-01-2008
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Re: American Expresss Special Card Offer --What exactly is this? And is it a Soft or Hard?

[ Edited ]

Oh jeez...I hit the button at the bottom...sign up for special offers.  DOH!!  Smiley Surprised

 

 

"sorry, we were not able to provide you with any special offers at this time"  figures. Smiley Sad

 

Still got some repairing to do!!

Message Edited by BungalowMo on 11-24-2009 10:00 AM


Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 07/2015 TU 730 - EQ 699 - EX 724
Goal Score: 850

Bury me in the garden...last app 08.09.15

New Contributor
Posts: 50
Registered: ‎10-19-2009
0

Re: American Expresss Special Card Offer --What exactly is this? And is it a Soft or Hard?

Amex Gold and Green popped up for me, should I go for one? I've been thinking about trying to replace my rebuilder card because it costs me 250 a year for it's whopping 800credit line.
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