topic Re: Amex Pre-Approval: solid offer? in Credit Card Approvals

Amex Pre-Approval: solid offer?

Anonymous — Sun, 22 Jan 2017 01:49:28 GMT

When I go to the American Express "CHECK FOR OFFERS' site at https://www.americanexpress.com/us/credit-cards/check-for-offers/ and fill in my information it returns "we have found the following Pre-Qualified Card offers for you." Before it would say there were no offers. Are these solid offers like Capital One? Or are they general offers and I will probably be denied? My EXP FICO from myFICO is 671. I have 2 baddies, an unpaid collection that falls off next year and a paid-off installment loan that had some late pays in 2014. Since 2014 everything is perfect with several credit cards and 2 auto loans. My score is down because my utilization is at 50% due to holiday shopping.

Re: Amex Pre-Approval: solid offer?

Guyatthebeach — Sun, 22 Jan 2017 01:53:24 GMT

It's a legitimate offer! I had a preapproval for the EDC and was approved instantly.

Re: Amex Pre-Approval: solid offer?

Anonymous — Sun, 22 Jan 2017 09:04:22 GMT

It's offering the Premier Rewards Gold Card, the Green Card, and the Gold Card. Which is best? They're all charge cards that must be paid in full monthly?

Re: Amex Pre-Approval: solid offer?

Anonymous — Sun, 22 Jan 2017 02:24:51 GMT

Yes they are all charge cards that must be paid in full each month. Get the PRG. The regular Gold and Green are useless.

Re: Amex Pre-Approval: solid offer?

Anonymous — Sun, 22 Jan 2017 02:38:37 GMT

I took your advice and applied for the Premier Rewards Gold Card and was instantly approved!!! I am so happy to be in the AMEX family because I burned them over 15 years ago. I'm back in. I really would have preferred a revolver like Sky Miles or EveryDay card but I'll take what I can get. Can I call and asked to be considered for a revolver? Or should I use this card for 6 months and then try to get a better AMEX card?

Re: Amex Pre-Approval: solid offer?

JoeLuvsHisCredit — Sun, 22 Jan 2017 02:46:36 GMT

With Amex you can apply for 1 of each revolver and a charge card? But not 2 of the same type?

Re: Amex Pre-Approval: solid offer?

Anonymous — Sun, 22 Jan 2017 02:50:58 GMT

Ok I will apply for the EveryDay card. I am just sitting here gazing at my online American Express account that I just setup. I can not believe it! My rebuilding is paying off!

Re: Amex Pre-Approval: solid offer?

AverageJoesCredit — Sun, 22 Jan 2017 02:51:36 GMT

Over 15 years ago you say. Cool, at least 5 more years wallowing in the Amex kiddie rides section until i reach the correct height limit to get on the big boy rides

Re: Amex Pre-Approval: solid offer?

Anonymous — Sun, 22 Jan 2017 02:54:27 GMT

@Anonymous wrote:
When I go to the American Express "CHECK FOR OFFERS' site at https://www.americanexpress.com/us/credit-cards/check-for-offers/ and fill in my information it returns "we have found the following Pre-Qualified Card offers for you." Before it would say there were no offers. Are these solid offers like Capital One? Or are they general offers and I will probably be denied? My EXP FICO from myFICO is 671. I have 2 baddies, an unpaid collection that falls off next year and a paid-off installment loan that had some late pays in 2014. Since 2014 everything is perfect with several credit cards and 2 auto loans. My score is down because my utilization is at 50% due to holiday shopping.

I got a Prequal Email for the Amex Platinum.. I can afford the $450 AF and I think I can offset the AF with benefits. Just worried about the internal limit. Specially if they can't even grow my 1K BCE limit.

At least on this one they are giving me 6 months to spend 5K for the 50K MR points.

Re: Amex Pre-Approval: solid offer?

Anonymous — Sun, 22 Jan 2017 21:38:49 GMT

"Over 15 years ago you say. Cool, at least 5 more years wallowing in the Amex kiddie rides section until i reach the correct height limit to get on the big boy rides"

Yea I had rough patch 15 years ago. But it looks like Amex has forgiven me! Since my offer only listed the charge card, I think I better not apply for a revolver until a few months down the road. They might send me an offer later now that I'm in the family!

Re: Amex Pre-Approval: solid offer?

JoeLuvsHisCredit — Sun, 22 Jan 2017 03:01:42 GMT

soloman

Believe me we all been there . I can remember the day I got my first "Real" visa it was a BOA with a 2K SL about 5months ago. You would have tbought I had died and went to heaven lol but that's the truth lol

Re: Amex Pre-Approval: solid offer?

JoeLuvsHisCredit — Sun, 22 Jan 2017 03:01:10 GMT

soloman

I think they will use the same pulled will they everybody?

Re: Amex Pre-Approval: solid offer?

Anonymous — Sun, 22 Jan 2017 09:07:30 GMT

@JoeLuvsHisCredit wrote:
@Anonymous
I think they will use the same pulled will they everybody?

That's good to know but what score is the EveryDay card requiring for approval? What I really need is a 0% introductory rate to transfer some of my balances to. But once again I'm just happy to be in AMEX family.

Re: Amex Pre-Approval: solid offer?

JoeLuvsHisCredit — Sun, 22 Jan 2017 03:14:01 GMT

I have seen people with 660 and up getting approved but as you know better scores gets better APR ETC

Re: Amex Pre-Approval: solid offer?

Anonymous — Sun, 22 Jan 2017 03:20:33 GMT

@JoeLuvsHisCredit wrote:
I have seen people with 660 and up getting approved but as you know better scores gets better APR ETC

Ok that is so true. I think I will wait because I have only one remaining collection and there's a good possibility it will be deleted real soon. At that time my score will be much better. Now I need to modify my siggy to show off my AMEX card!!!

Re: Amex Pre-Approval: solid offer?

JoeLuvsHisCredit — Sun, 22 Jan 2017 03:28:33 GMT

To be honest if I was you I would wait until you have a clean file so you can a better apr and sl. I wish I did on a few of mine (a couple) but I have learn etc

Re: Amex Pre-Approval: solid offer?

Anonymous — Sun, 22 Jan 2017 03:31:02 GMT

@JoeLuvsHisCredit wrote:
To be honest if I was you I would wait until you have a clean file so you can a better apr and sl. I wish I did on a few of mine (a couple) but I have learn etc

Yes I agree!