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Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007
0

Re: Amex preapproval link

hi dang, fico is complaning about the amount of the loan amount to balance. I'll pay off 40% and pay the balance every month for next 18 months. I dont carry balances and I do pif before the statment cuts and I leave small balance on my credit cards to report to CRA's. I am ok in that aspect. I need to pull my scores up by next month.
Mega Contributor
Creditaddict
Posts: 19,595
Registered: ‎10-23-2007
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Re: Amex preapproval link

if you already have an amex card and you apply for another... I believe they just do soft pull... they are HUGE on keeping current card holders, and if you fall into the way of amex (paying in full not carrying balance) they are not afraid to give other cards to you.
but your charge accounts, green, gold, plat. are going to be easy 2nd cards to get because you can't carry a balance.
if you pre-approved, i would try it
Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007
0

Re: Amex preapproval link



Creditaddict wrote:
if you already have an amex card and you apply for another... I believe they just do soft pull...

No, this is not true, but it seems to keep coming up lately.
 
Any time you apply for new credit, expect a hard pull, regardless of whether you have an existing relationship with the lender.
 
This is true of all CCCs, including Amex.

 
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Mega Contributor
Creditaddict
Posts: 19,595
Registered: ‎10-23-2007
0

Re: Amex preapproval link

normally I would say yes... hard pull is going to happen... but someone that is pre-approved apply and then pull credit report and see if amex does hard pull... they rarely do.
Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007
0

Re: Amex preapproval link



Creditaddict wrote:
normally I would say yes... hard pull is going to happen... but someone that is pre-approved apply and then pull credit report and see if amex does hard pull... they rarely do.


I'll update this thread in a couple of weeks when I apply for my Green or Gold.
 
Then hopefully we can settle this once and for all. :smileytongue:
 
BTW, concorduser had existing Amex cards, applied for Platinum through preapproval link, and reported a hard pull, just as I predicted.
 
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Established Contributor
orl2185
Posts: 777
Registered: ‎03-07-2007
0

Re: Amex preapproval link



haulingthescoreup wrote:
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. :smileywink:

edit: cna't speel :smileytongue:

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

That is 100% correct MOD, sad thing is that DW has green card. She logs on to her account and does see preapprovals for other accounts there. But it's for the gold card rewards along with 125af, and for the platinum card with 450af. That sucks bigtime...:smileymad:

Starting Score: 621
Current Score: 784
Goal Score: 800


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Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007
0

Re: Amex preapproval link

I am not sure about other cards. But for Amex AF I think it is only a perception that membership fee is high. I dont feel that way. Even when we join Sams Club Plus program they charge $80-100 for the AF. Comparing to that I think Amex Gold AF of $125 is not that bad. Sams is only member ship fee, credit is seperate. Here we are getting Credit and Services along with free perks having amex though there is AF. I did not mind paying $450 AF for my platinum card. I am sure it is worth it by the end of the year.
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Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
0

Re: Amex preapproval link


concorduser wrote:
I am not sure about other cards. But for Amex AF I think it is only a perception that membership fee is high. I dont feel that way. Even when we join Sams Club Plus program they charge $80-100 for the AF. Comparing to that I think Amex Gold AF of $125 is not that bad. Sams is only member ship fee, credit is seperate. Here we are getting Credit and Services along with free perks having amex though there is AF. I did not mind paying $450 AF for my platinum card. I am sure it is worth it by the end of the year.

For those that travel and do business entertaining, and I'm sure some other things that haven't dawned on me yet, I think they're probably great.

I don't know what they'd do for me in my present lifestyle --get me an extra hashbrown in my Mickey D's drive-through breakfast, maybe. If and when I create a major scene at work, and find myself being escorted from the premises by security, I might become a traveling consultant. If so, you can bet I'll be grabbing for those shiny babies!
* 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
Frequent Contributor
dangphuocloc72
Posts: 341
Registered: ‎04-17-2007
0

Re: Amex preapproval link

:smileyindifferent: they did hard Inq on me (EX) but still happy with cl 5k new card . :smileyhappy:
Super Contributor
MidnightVoice
Posts: 8,158
Registered: ‎03-25-2007
0

Re: Amex preapproval link

I have a Blue, I checked out the link and it offered me platinum and Gold, which pretty much figures with my EX scores (about 735)
 


concorduser wrote:
I am not sure about other cards. But for Amex AF I think it is only a perception that membership fee is high. I dont feel that way. Even when we join Sams Club Plus program they charge $80-100 for the AF. Comparing to that I think Amex Gold AF of $125 is not that bad. Sams is only member ship fee, credit is seperate. Here we are getting Credit and Services along with free perks having amex though there is AF. I did not mind paying $450 AF for my platinum card. I am sure it is worth it by the end of the year.


I checked and for me the AF is not worth it.  If I flew American instead of United, I would consider the platinum just for the airport lounge!
The slide from grace is really more like gliding
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But to find a graceful way of staying slid

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