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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?
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?
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...
@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...
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!)
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:
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.
Can you check your report for a soft pull, maybe?