cancel
Showing results for 
Search instead for 
Did you mean: 

Need info. American express pre-qualified

Member

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

Message 1 of 12
11 REPLIES
Frequent Contributor

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 $ ?
Message 2 of 12
Mega Contributor

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?



EQ FICO 548 3/3/16
Message 3 of 12
Established Contributor

Re: Need info. American express pre-qualified

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

Message 4 of 12
New Contributor

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
Message 5 of 12
Moderator Emeritus

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
Message 6 of 12
Established Contributor

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
Message 7 of 12
Member

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.

Message 8 of 12
Valued Member

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?

Message 9 of 12
Senior Contributor

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
Message 10 of 12