Reply
Member
Posts: 13
Registered: ‎03-09-2012
0

Need info. American express pre-qualified

  Can someone tell me if the on-line American express websites small appl. process to see what cards are available is a soft pull like Cap one and Hsbc?  Thank you in advance

Frequent Contributor
Posts: 445
Registered: ‎09-14-2011
0

Re: Need info. American express pre-qualified

Hard Pull. 1st card from Amex. 2nd 1 is soft.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Need info. American express pre-qualified

Welcome to the forums!!

I think your asking for where the pre qualifier link is on their site am I right?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 1,275
Registered: ‎12-02-2010
0

Re: Need info. American express pre-qualified

Pre is a soft. If you actually app then its hard.

New Contributor
Posts: 53
Registered: ‎09-18-2011
0

Re: Need info. American express pre-qualified

You mean the pre-qualify to see if there's any offers for you? It's soft.

Starting Score: NonExistant (07/2011)
Current Score: FICOs: TU: 714 (6/2012) EQ: 686 (4/2012) EX: 712 (PSECU) (6/2012)
Goal Scores: 750 by 2013

Amex Zync, Discover More $1700, BofA Cash Rewards $600, Walmart $800
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Need info. American express pre-qualified


billy324 wrote:

  Can someone tell me if the on-line American express websites small appl. process to see what cards are available is a soft pull like Cap one and Hsbc?  Thank you in advance


 

Hello, and welcome to the forums.

 

Yes, the prequalifier is a soft pull, like Cap1 and HSBC. Of course, if you actually go ahead and apply, then it's a hard pull.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
Posts: 731
Registered: ‎02-15-2012
0

Re: Need info. American express pre-qualified

There's only a hard pull if you decide to actually apply for a card.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday
Member
Posts: 13
Registered: ‎03-09-2012
0

Re: Need info. American express pre-qualified

Yes , it says---view  your special offers, then asks for name, address and last 4 digits of ssn. but It doesn't say anywhere that your credit won't be affected like the Cap one and HSBC sites, so I am a little nervous, last thing I need is a hard pull right now.

Valued Member
Posts: 87
Registered: ‎06-06-2009
0

Re: Need info. American express pre-qualified

If you are pre-qualified through that "my offers" tab on their site, are the odds typically good like USAA's my offers tab?

Senior Contributor
Posts: 3,067
Registered: ‎11-02-2009
0

Re: Need info. American express pre-qualified


billy324 wrote:

Yes , it says---view  your special offers, then asks for name, address and last 4 digits of ssn. but It doesn't say anywhere that your credit won't be affected like the Cap one and HSBC sites, so I am a little nervous, last thing I need is a hard pull right now.



Are you sure you're looking hard enough.  I could swear I remember it saying that.  I'd check, but I no longer have that option since I'm a cardmember, and I don't feel like clearing cookies so my browser will show it.  In any event, it is a soft pull.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.