topic Re: Amex Pre-Quals in Credit Card Applications

Amex Pre-Quals

Anonymous — Mon, 29 Apr 2019 00:25:43 GMT

After the staggering generosity of Discover with my initial SL earlier in the week I'm pretty sure I used up my luck for the year, but I do keep an eye on other pre-quals.

Has anyone ever seen Amex Prequals list an acutal credit limit? I checked it this morning and they're still listing the Basic Everyday, the BCE, and Gold Delta, but both the Everday and BCE now list "with a credit limit upto 2,000". I checked it a couple of times earlier in the week, but this is the first time I've seen anything like that for any prequal for any lender.

Glad I didn't pull the trigger earlier in the week.

Also, it's the only pre-qual application that includes the option to include non-taxable income.

Re: Amex Pre-Quals

simplynoir — Mon, 29 Apr 2019 01:40:23 GMT

@Anonymous wrote:
After the staggering generosity of Discover with my initial SL earlier in the week I'm pretty sure I used up my luck for the year, but I do keep an eye on other pre-quals.

Has anyone ever seen Amex Prequals list an acutal credit limit? I checked it this morning and they're still listing the Basic Everyday, the BCE, and Gold Delta, but both the Everday and BCE now list "with a credit limit upto 2,000". I checked it a couple of times earlier in the week, but this is the first time I've seen anything like that for any prequal for any lender.

Glad I didn't pull the trigger earlier in the week.

Also, it's the only pre-qual application that includes the option to include non-taxable income.

I have never heard of AMEX listing an approximate limit you could be granted pending approval through their prequalifications. Any chance you could provide a screenshot so we could see what it looks like?

Re: Amex Pre-Quals

Jnbmom — Mon, 29 Apr 2019 01:43:47 GMT

Intresting, I have never seen a limit with prequals, if I did and they told me up to 1K as that's all they give me I probably would have declined 😂😂

Re: Amex Pre-Quals

Anonymous — Mon, 29 Apr 2019 02:33:52 GMT

Did you post info about your experience with Discover? I recently received something in the mail from them and was wondering if it was worth it to follow up...

Re: Amex Pre-Quals

Meanmchine — Mon, 29 Apr 2019 03:09:27 GMT

@Anonymous wrote:
After the staggering generosity of Discover with my initial SL earlier in the week I'm pretty sure I used up my luck for the year, but I do keep an eye on other pre-quals.

Has anyone ever seen Amex Prequals list an acutal credit limit? I checked it this morning and they're still listing the Basic Everyday, the BCE, and Gold Delta, but both the Everday and BCE now list "with a credit limit upto 2,000". I checked it a couple of times earlier in the week, but this is the first time I've seen anything like that for any prequal for any lender.

Glad I didn't pull the trigger earlier in the week.

Also, it's the only pre-qual application that includes the option to include non-taxable income.

That sounds more like Credit One or First Premire than Amex

Re: Amex Pre-Quals

Remedios — Mon, 29 Apr 2019 12:38:17 GMT

I've looked over previous threads by OP, they are not existing Amex cardholder, so I checked prequals 😐

No mention of possible max SL.

Re: Amex Pre-Quals

simplynoir — Mon, 29 Apr 2019 12:51:39 GMT

@Meanmchine wrote:
@Anonymous wrote:
After the staggering generosity of Discover with my initial SL earlier in the week I'm pretty sure I used up my luck for the year, but I do keep an eye on other pre-quals.

Has anyone ever seen Amex Prequals list an acutal credit limit? I checked it this morning and they're still listing the Basic Everyday, the BCE, and Gold Delta, but both the Everday and BCE now list "with a credit limit upto 2,000". I checked it a couple of times earlier in the week, but this is the first time I've seen anything like that for any prequal for any lender.

Glad I didn't pull the trigger earlier in the week.

Also, it's the only pre-qual application that includes the option to include non-taxable income.
That sounds more like Credit One or First Premire than Amex

I would have agreed but specific mentions of ED and BCE there have me thinking this might be true. Why I asked if OP could provide screenshots.

Re: Amex Pre-Quals

Anonymous — Mon, 29 Apr 2019 13:15:49 GMT

I swear I'm not crazy. But it was right before bed after a long weekend.

I usually take screenshots of all the pre-quals so I can track how the offers change.

Not sure if I did last night, but I'll check when I get home tonight.

Re: Amex Pre-Quals

Remedios — Mon, 29 Apr 2019 13:28:24 GMT

@Anonymous wrote:
I swear I'm not crazy. But it was right before bed after a long weekend.

I usually take screenshots of all the pre-quals so I can track how the offers change.

Not sure if I did last night, but I'll check when I get home tonight.

No one is saying you're crazy, it's just something new we've never seen before.

Re: Amex Pre-Quals

Anonymous — Mon, 29 Apr 2019 13:37:09 GMT

That was in jest of course

Checked the pre-qual on my phone just now, no listed limit. I feel like William Shatner on the Twilight Zone, "there's a gremlin on the wing!".

What does stand out is my Delta Skymiles bonus was 35,000 last night. Its back upto 50,000 with no stated limit.

I'll see if I took a screenshot this evening.

Re: Amex Pre-Quals

Wrigley2172 — Mon, 29 Apr 2019 14:51:37 GMT

I have also seen AMEX list an "up to" limit when doing prequals, ill fill one out and see if it does it again. If i remember right its possible if you put your income in along with the prequal. I am also a non card holder. But hopefully that will change this month or next lol

Re: Amex Pre-Quals

Wrigley2172 — Mon, 29 Apr 2019 15:04:24 GMT

I got it!

Re: Amex Pre-Quals

simplynoir — Mon, 29 Apr 2019 15:07:09 GMT

@Wrigley2172 wrote:
I got it!

Look at that. Never seen that before. Thanks for providing the screenshot, @Wrigley2172! Datapoints like this always appreciated.

Re: Amex Pre-Quals

Remedios — Mon, 29 Apr 2019 15:19:31 GMT

Thank you for the screenshot. I definitely do not have that language when I try

Re: Amex Pre-Quals

Jnbmom — Mon, 29 Apr 2019 15:21:27 GMT

Me either, but I was preapproved for the green card😂😂

Maybe this is for new members?

Re: Amex Pre-Quals

Remedios — Mon, 29 Apr 2019 15:24:34 GMT

@Jnbmom wrote:
Me either, but I was preapproved for the green card😂😂

Maybe this is for new members?

I do not have any amex cards. I think this has to do more with SL for those rebuilding or with limited credit.

Maybe an attempt to temper customer's expectations, or conversely, encourage them to apply.

We wont know till more people try it.

Re: Amex Pre-Quals

simplynoir — Mon, 29 Apr 2019 15:25:29 GMT

@Wrigley2172and @Anonymous

Any chance either of you could provide info: credit scores, current cards, and so on so we can better understand when this is offered to prospective customers wanting an AMEX.

Re: Amex Pre-Quals

Remedios — Mon, 29 Apr 2019 15:26:09 GMT

I am leaning towards encouraging apps. I'd be more likely to apply if I knew what cat in the bag will look like, especially in the presence of lower limit cards.

Re: Amex Pre-Quals

simplynoir — Mon, 29 Apr 2019 15:38:09 GMT

@Remedios wrote:
I am leaning towards encouraging apps. I'd be more likely to apply if I knew what cat in the bag will look like, especially in the presence of lower limit cards.

I wonder if AMEX is looking at your credit profile to offer something like this before applying is it safe to assume if you don't see one now that you dont have to worry about being stuck with a $1k limit? Something to think about in any case.

Re: Amex Pre-Quals

Wrigley2172 — Mon, 29 Apr 2019 15:43:34 GMT

Sure:
Ex:764
Eq:764
Tu:769
I only have one Disco card
College student
Age of account: 2 years 8 months
No baddies