Credit Cards

[kasowell]

I know I saw somewhere that Amex had a link that would let you check for preapproved offers like HASB and BoA. Does anyone know this link?

[imducky]

here go.

https://www201.americanexpress.com/cards/Applyfservlet?csi=0/0/b/510

[gNaRKiLL]

Just curious,
If I am already a card member, I clicked on the see my exclusive card member offers and it showed that I am eligible for the platinum and gold card, as well as blue and blue sky. Is that a pre approval?

I have applied for a cli for my current delta card and they have denied me on the basis that my scores are too low, so why would they offer me another card?

[cheddar]

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gNaRKiLL wrote:
Just curious,
If I am already a card member, I clicked on the see my exclusive card member offers and it showed that I am eligible for the platinum and gold card, as well as blue and blue sky. Is that a pre approval?

I have applied for a cli for my current delta card and they have denied me on the basis that my scores are too low, so why would they offer me another card?

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Those are the same cards everyone gets.  I doubt it's a real preapproval.

[imducky]

i have no idea how firm the pre-approval actually is. i haven't been brave enough to test it myself. i have seen one or two approvals, but not sure if anyone has been declined when apping based from the the link.

[cheddar]

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dnm45227 wrote:

i have no idea how firm the pre-approval actually is. i haven't been brave enough to test it myself. i have seen one or two approvals, but not sure if anyone has been declined when apping based from the the link.

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Well, I don't have any idea either really.  But don't you think it's odd that everyone gets the same cards?

Since we know different Amex cards have different underwriting standards, wouldn't a true preapproval offer cards that fit the applicant's credit profile?

[imducky]

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cheddar wrote:

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dnm45227 wrote:

i have no idea how firm the pre-approval actually is. i haven't been brave enough to test it myself. i have seen one or two approvals, but not sure if anyone has been declined when apping based from the the link.

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Well, I don't have any idea either really.  But don't you think it's odd that everyone gets the same cards?

Since we know different Amex cards have different underwriting standards, wouldn't a true preapproval offer cards that fit the applicant's credit profile?

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exactly why i'm not brave enough to pull the trigger. even though we are planning to go to london this month and i would love to have the lounge access and the concierge to help w/hotel reservations. anyone know if they will still offer this since i only have a plat delta?

[future]

back on one of the old threads, one or two people tried and said they were approvaled... this preapproval link may not be a hoax after all

[concorduser]

I was approved for plat when I apped through this link. I think it is possible preapproval.

[haulingthescoreup]

Didn't I see something about, if you're already a member, a genuinely pre-approved card will appear at the top of some sort of list on your account page? Seems like I just read this yesterday.

Since AmEx won't let me in at the moment, and I'm still crouched outside their kitchen door, hoping that they will offer me some scraps, I don't know what members' account pages look like. Yet.

edit: cna't speel

Message Edited by haulingthescoreup on 02-05-2008 03:54 AM