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Amex preapproval link?

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integlspwr
Established Member

Re: Amex preapproval link?

Bummers. Wasn't qualified for anything. 

Message 11 of 14
Guyatthebeach
Valued Contributor

Re: Amex preapproval link?

It worked for me when I went onto the Amex website in private mode on my MacBook. I had a preapproval offer for a BCE with a $250 bonus for $1000 spend rate and 10% cash back for Amazon. I applied and approved for $2000. 

 

That's not bad for someone rebuilding after a bankruptcy in my opinion.

 

Guyatthebeach

Message 12 of 14
Anonymous
Not applicable

Re: Amex preapproval link?


@Guyatthebeach wrote:

It worked for me when I went onto the Amex website in private mode on my MacBook. I had a preapproval offer for a BCE with a $250 bonus for $1000 spend rate and 10% cash back for Amazon. I applied and approved for $2000. 

 

That's not bad for someone rebuilding after a bankruptcy in my opinion.

 

Guyatthebeach


What are your current data points please?

Message 13 of 14
Guyatthebeach
Valued Contributor

Re: Amex preapproval link?


@Anonymous wrote:

@Guyatthebeach wrote:

It worked for me when I went onto the Amex website in private mode on my MacBook. I had a preapproval offer for a BCE with a $250 bonus for $1000 spend rate and 10% cash back for Amazon. I applied and approved for $2000. 

 

That's not bad for someone rebuilding after a bankruptcy in my opinion.

 

Guyatthebeach


What are your current data points please?


BluffCityNomad,

Here are data points:

 

TU 698 EX 710

Inquiries for 2016: 9 (mainly from joining NFCU and PENFED. Also bought another car)

Total credit lines: $167,000

credit utilization: 16%(high due to holidays and taking 3 week vacation at end of year)

installment loans 2 car loans, 1 personal 

DTI: 28%(estimate)

chapter 7 bankruptcy discharged Feb 2012, didn't burn Amex.

no lates since bankruptcy

 

Amex BCE was instant approval, no recon needed.

Hope this helps. 

 

I probably would have had a higher credit line if I didn't have so many inquiries and added 4 new trade lines this year to my CR.

 

Guyatthebeach

 

 

Message 14 of 14
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