Reply
New Contributor
2IMPROVE
Posts: 72
Registered: ‎07-03-2007

AMEX REWARD PLUS GOLD PRE-SELECTED OFFER QUESTION

My spouse received an offer to apply. Per TC FAKO SCORES:
 
TU 601
EX 531
EQ 568
 
Do they send these offers because you are pre-approved??  Is it a high chance of approval since they sent the offer?
Established Contributor
dog
Posts: 560
Registered: ‎05-03-2007

Re: AMEX REWARD PLUS GOLD PRE-SELECTED OFFER QUESTION

she needs to check her fico scores....they are probably going to need to be a lot higher than her fako's to qualify for that card. 
 
it is hard for anyone here to base approval guesses on fako scores, as they are not the scores most lenders use, and they are also inconsistent, i.e. your tu fako may be 600 and your tu fico may be 680, whereas my tu fako may be 600 and my tu fico may be 623...
Established Contributor
dog
Posts: 560
Registered: ‎05-03-2007

Re: AMEX REWARD PLUS GOLD PRE-SELECTED OFFER QUESTION

forgot to add that amex typically pulls ex....but no guarantee.
Established Contributor
so_confused
Posts: 630
Registered: ‎06-20-2007

Re: AMEX REWARD PLUS GOLD PRE-SELECTED OFFER QUESTION

Also ...If you have had a BK. don't waste an inq.  Amex is not BK friendly, and most have been turned down. Good luck!
9/18/08 TU=707 EQ=706 EX=702
Established Contributor
myhearts07
Posts: 858
Registered: ‎06-26-2007

Re: AMEX REWARD PLUS GOLD PRE-SELECTED OFFER QUESTION

Hey all,
 
Eve here.  My husband got a prequalified application from AMEX on Friday.  His fico scores are EQ 588, EX 600 and TU 548.  I filled out the online app and he got approved!!!  We don't know the limit yet or the terms, but it was a real shock to us!!!...
 
Eve
Frequent Contributor
cfstr1
Posts: 436
Registered: ‎06-15-2007

Re: AMEX REWARD PLUS GOLD PRE-SELECTED OFFER QUESTION

Congratulations! Which card did your husband get approved for?
Established Contributor
myhearts07
Posts: 858
Registered: ‎06-26-2007

Re: AMEX REWARD PLUS GOLD PRE-SELECTED OFFER QUESTION

Thanks... 
 
It was the green card, if I am not mistaken.
 
 
Established Contributor
dog
Posts: 560
Registered: ‎05-03-2007

Re: AMEX REWARD PLUS GOLD PRE-SELECTED OFFER QUESTION

good deal!
Established Contributor
myhearts07
Posts: 858
Registered: ‎06-26-2007

Re: AMEX REWARD PLUS GOLD PRE-SELECTED OFFER QUESTION

So, how does the Amex card payment work, pay in full every month?
Established Contributor
dog
Posts: 560
Registered: ‎05-03-2007

Re: AMEX REWARD PLUS GOLD PRE-SELECTED OFFER QUESTION

i think the green card is a pif charge card, you can go on amex's website and check.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+