Credit Cards

[Duncanrr]

I just got the following in my email inbox.  Is this a honest to goodness offer from AMEX for me to join or is it just a normal spam email?  I was hoping to receive an offer as my EX is probably around 650 (the magic number the CSR @ AMEX told me I needed to get to be eligible) 

So am I in like Flynn?

[swpopham]

Go to Amex pre approval site and see if its there for you

[Duncanrr]

Site says no existing offers.  I literally just got that email.  I hope its a valid offer but not sure.  Guess I could call them and see?  (I'm not planning on apping for AMEX until September as that would be 6 months from my denial).

Suggestions?

[pizzadude]

Even if it was a pre~approval it is not a guarantee of approval.   Pre~approvals are just invitations sent out to targeted groups/demographics ~ it will still come down to your CR and application info like income, etc...

[Duncanrr]

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pizzadude wrote:

Even if it was a pre~approval it is not a guarantee of approval.   Pre~approvals are just invitations sent out to targeted groups/demographics ~ it will still come down to your CR and application info like income, etc...

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True.  But its such a positive step in right direction for me.  Ive raised my scores at least 110 points (waiting on some baddies to be processed for deletion on EQ and TU).  Before I started rebuild, they would have laughed at me.  The only thing holding me back is my credit score.  I'm a professional who owns my house, has six figure income, been at job for 3 years and previous job was 5+ years, etc.

I'm still going to wait till September but It gives me positive reinforcement.  (Needed some after dealing with Sallie Mae, Cap1 and Verizon!)

[SanjeevR]

FYI, you can look at the bottom of the e-mail to know if it's a pre-approval e-mail or a generic offer. It would like like this, which I recently received:

[Duncanrr]

Damn. Didn't have that at bottom. Bubble a little bit busted but still step in right direction.

[Crashem]

Most likely a generic email offer.  They don't send pre-approved offers via email generally as that would require a soft pull from credit bureaus.  Credit bureaus don't store email addresses on credit report.  So how would they know that your "pre-approved" offer is going to the right person.

[Duncanrr]

I signed up for emails at Amex site so they can in fact match my soft pull inquiry with my email address.

[injustifiiable]

Can you check your report for a soft pull, maybe?