topic Re: Different Amex pre-qualification pages =different results in Credit Card Applications

Different Amex pre-qualification pages =different results

MeN5 — Thu, 08 Oct 2020 00:33:17 GMT

So I've discovered that there are two amex pre-qualification pages and they held completely different results for me here's proof

Re: Different Amex pre-qualification pages =different results

cashorcharge — Thu, 08 Oct 2020 04:59:38 GMT

Very odd...okay so...fill us in?

Did you go to the regular pre-qual site found via Google or a link here?

Were you logged in with your account and then prequal'd so they knew more about you?

Do you even have existing accounts with them already?

I'm intrigued....

Did you accept the offer and did it go through?

Re: Different Amex pre-qualification pages =different results

OmarGB9 — Thu, 08 Oct 2020 07:48:11 GMT

@cashorcharge wrote:
Very odd...okay so...fill us in?
Did you go to the regular pre-qual site found via Google or a link here?
Were you logged in with your account and then prequal'd so they knew more about you?
Do you even have existing accounts with them already?
I'm intrigued....

Did you accept the offer and did it go through?

In addition, can you provide links to these two separate prequal pages?

Re: Different Amex pre-qualification pages =different results

MeN5 — Thu, 08 Oct 2020 10:44:37 GMT

When you Google Amex pre-qualification two separate ones appear. I currently don't have amex but I did try this a few months back and I was denied. Then it was showing bc and the blue card also 1 more can't remember them. Now it's showing the platinum. This is crazy! Isn't the platinum top tier?

Re: Different Amex pre-qualification pages =different results

MeN5 — Thu, 08 Oct 2020 10:47:46 GMT

https://card.americanexpress.com/m/pre-qualified-offers/?utm_mcid=3568634&utm_source=google&utm_medium=cpc&utm_term=%2Bpreapproval%20%2Bamex&utm_cmpid=875166938&utm_adgid=51002413671&utm_tgtid=kwd-380283055111&utm_mt=b&utm_adid=259903492034&utm_dvc=m&utm_ntwk=g&utm_adpos=&utm_plcmnt=&utm_locphysid=9026132&utm_locintid=&utm_feeditemid=&utm_devicemdl=&utm_plcmnttgt=&utm_programname=axcp&gclid=Cj0KCQjw8fr7BRDSARIsAK0Qqr6lQ58yHc2WQoBPel7glHDgbTXOTa8GYfUEL0TSeWDGXp65ZlNnl84aAq2HEALw_wcB

https://www.americanexpress.com/us/credit-cards/check-for-offers/

The second link is the one that always shows offers for me.

Re: Different Amex pre-qualification pages =different results

addicted_to_credit — Thu, 08 Oct 2020 11:47:44 GMT

@MeN5 wrote:
When you Google Amex pre-qualification two separate ones appear. I currently don't have amex but I did try this a few months back and I was denied. Then it was showing bc and the blue card also 1 more can't remember them. Now it's showing the platinum. This is crazy! Isn't the platinum top tier?

The platinum is a charge card, IIRC it's the same underwriting as the green and gold. It seems like a 680(?) is the minimum required score for any Amex card. The revolvers are usually harder to get than charge cards in normal times and probably now as well. It's been a long time since I've had any personal dealings with Amex so hopefully someone will correct me if I'm wrong..

Re: Different Amex pre-qualification pages =different results

Anonymous — Thu, 08 Oct 2020 23:21:02 GMT

@MeN5 wrote:
I currently don't have amex but I did try this a few months back and I was denied. Then it was showing bc and the blue card also 1 more can't remember them. Now it's showing the platinum. This is crazy! Isn't the platinum top tier?

So are you saying that you apped and were declined, or that you merely were declined any pre-qualified offers? If you don't get prequal offers it's often because you opted out of marketing. If you apped and were delined then what were teh reasons? If those haven't changed neither will their decision.

What's your overal profile lokm like score, recent accounts age etc? Maybe someone here can give you a baseline on your chances of being approved and for what product.

Re: Different Amex pre-qualification pages =different results

randomguy1 — Sat, 10 Oct 2020 04:36:47 GMT

@MeN5 wrote:
https://card.americanexpress.com/m/pre-qualified-offers/?utm_mcid=3568634&utm_source=google&utm_medium=cpc&utm_term=%2Bpreapproval%20%2Bamex&utm_cmpid=875166938&utm_adgid=51002413671&utm_tgtid=kwd-380283055111&utm_mt=b&utm_adid=259903492034&utm_dvc=m&utm_ntwk=g&utm_adpos=&utm_plcmnt=&utm_locphysid=9026132&utm_locintid=&utm_feeditemid=&utm_devicemdl=&utm_plcmnttgt=&utm_programname=axcp&gclid=Cj0KCQjw8fr7BRDSARIsAK0Qqr6lQ58yHc2WQoBPel7glHDgbTXOTa8GYfUEL0TSeWDGXp65ZlNnl84aAq2HEALw_wcB

https://www.americanexpress.com/us/credit-cards/check-for-offers/

The second link is the one that always shows offers for me.

Wait, second link is actually giving me offers. I thought I was on the Blacklist. Does this mean I am no longer on there???

Re: Different Amex pre-qualification pages =different results

Brian_Earl_Spilner — Sat, 10 Oct 2020 05:33:22 GMT

@randomguy1 wrote:
@MeN5 wrote:
https://card.americanexpress.com/m/pre-qualified-offers/?utm_mcid=3568634&utm_source=google&utm_medium=cpc&utm_term=%2Bpreapproval%20%2Bamex&utm_cmpid=875166938&utm_adgid=51002413671&utm_tgtid=kwd-380283055111&utm_mt=b&utm_adid=259903492034&utm_dvc=m&utm_ntwk=g&utm_adpos=&utm_plcmnt=&utm_locphysid=9026132&utm_locintid=&utm_feeditemid=&utm_devicemdl=&utm_plcmnttgt=&utm_programname=axcp&gclid=Cj0KCQjw8fr7BRDSARIsAK0Qqr6lQ58yHc2WQoBPel7glHDgbTXOTa8GYfUEL0TSeWDGXp65ZlNnl84aAq2HEALw_wcB

https://www.americanexpress.com/us/credit-cards/check-for-offers/

The second link is the one that always shows offers for me.
Wait, second link is actually giving me offers. I thought I was on the Blacklist. Does this mean I am no longer on there???

No, the offers are being based on the SP they do. Once you app your info will be ran through their system where if you're blacklisted, it will be booted without an inquiry. If you take a HP, but get denied, you're off the blacklist, but not meeting their criteria for approval.

Re: Different Amex pre-qualification pages =different results

randomguy1 — Sat, 10 Oct 2020 11:36:59 GMT

@Brian_Earl_Spilner wrote:
@randomguy1 wrote:
@MeN5 wrote:
https://card.americanexpress.com/m/pre-qualified-offers/?utm_mcid=3568634&utm_source=google&utm_medium=cpc&utm_term=%2Bpreapproval%20%2Bamex&utm_cmpid=875166938&utm_adgid=51002413671&utm_tgtid=kwd-380283055111&utm_mt=b&utm_adid=259903492034&utm_dvc=m&utm_ntwk=g&utm_adpos=&utm_plcmnt=&utm_locphysid=9026132&utm_locintid=&utm_feeditemid=&utm_devicemdl=&utm_plcmnttgt=&utm_programname=axcp&gclid=Cj0KCQjw8fr7BRDSARIsAK0Qqr6lQ58yHc2WQoBPel7glHDgbTXOTa8GYfUEL0TSeWDGXp65ZlNnl84aAq2HEALw_wcB

https://www.americanexpress.com/us/credit-cards/check-for-offers/

The second link is the one that always shows offers for me.
Wait, second link is actually giving me offers. I thought I was on the Blacklist. Does this mean I am no longer on there???
No, the offers are being based on the SP they do. Once you app your info will be ran through their system where if you're blacklisted, it will be booted without an inquiry. If you take a HP, but get denied, you're off the blacklist, but not meeting their criteria for approval.

Ah, I thought their prequal took it into account because I haven't had any prequals since I was blacklisted. Guess only way to find out is to apply in the future.

Re: Different Amex pre-qualification pages =different results

Brian_Earl_Spilner — Sat, 10 Oct 2020 13:15:49 GMT

@randomguy1 wrote:
@Brian_Earl_Spilner wrote:
@randomguy1 wrote:
@MeN5 wrote:
https://card.americanexpress.com/m/pre-qualified-offers/?utm_mcid=3568634&utm_source=google&utm_medium=cpc&utm_term=%2Bpreapproval%20%2Bamex&utm_cmpid=875166938&utm_adgid=51002413671&utm_tgtid=kwd-380283055111&utm_mt=b&utm_adid=259903492034&utm_dvc=m&utm_ntwk=g&utm_adpos=&utm_plcmnt=&utm_locphysid=9026132&utm_locintid=&utm_feeditemid=&utm_devicemdl=&utm_plcmnttgt=&utm_programname=axcp&gclid=Cj0KCQjw8fr7BRDSARIsAK0Qqr6lQ58yHc2WQoBPel7glHDgbTXOTa8GYfUEL0TSeWDGXp65ZlNnl84aAq2HEALw_wcB

https://www.americanexpress.com/us/credit-cards/check-for-offers/

The second link is the one that always shows offers for me.
Wait, second link is actually giving me offers. I thought I was on the Blacklist. Does this mean I am no longer on there???
No, the offers are being based on the SP they do. Once you app your info will be ran through their system where if you're blacklisted, it will be booted without an inquiry. If you take a HP, but get denied, you're off the blacklist, but not meeting their criteria for approval.
Ah, I thought their prequal took it into account because I haven't had any prequals since I was blacklisted. Guess only way to find out is to apply in the future.

That's the only way to see if you're still blacklisted.

Re: Different Amex pre-qualification pages =different results

Sax2610 — Tue, 24 Nov 2020 02:00:31 GMT

@MeN5 Thanks for the links very interesting the 1st link i was pre approved for the high tier cards annual fee 450 and up also delta gold card and purple . 2nd link also approved but i dont want to pay a fee for another card if i knew the offers where solid i would contemplate the blue cash Amex no fee card. Any advice would be welcomed

AMEX Pre qualified VS Pre approved - Two different websites

Anonymous — Fri, 18 Dec 2020 05:57:43 GMT

So recently I have been toying with the idea of apping for an AMEX card , more specifically I'm interested in the Cash magnet. It seems AMEX has two different websites right now that offer you to put in your info and see if they pre qualify / pre approve you.

On one of them when I put in my info I get no offers. On the other I get "Pre Qualified" offers for the Cash magnet , Blue cash everyday , and the AMEX Platinum card.

At the top of the page it says this -

Bs978 , check out this pre-qualified offer! Even better, the Card you've matched with has exceptional perks so don't wait.

it gives me a 0% intro apr for 15months and then a variable APR but no solid APR.

Would you guys say AMEXs offers like this are usually pretty solid or not ? my scores are in the 680 -701 range across the board. 1% overall utilization , 10 open accounts ( 4 are AU's ) 1 inquiry only on TU from a recent NAVY FED Amex card I was approved for 3k a couple weeks ago , 0 collections , 5yrs overall age of credit , 98% payment history , 2 recent lates from about 10 months ago.

I'm just wondering if I should waste a hard pull and give it a shot since I really want to get in the door with Amex or wait a bit until the late payments age a bit longer or I have success with Comenity getting them to goodwill them ( they have told me there still too recent )

Who does AMEX pull from generally and has anyone seen recent approvals with a still pretty recent late payment on there profile.

Any info is much appreciated!

Re: Different Amex pre-qualification pages =different results

Anonymous — Fri, 18 Dec 2020 06:11:07 GMT

Same thing I noticed - I get no pre approvals or pre qualifiers on one page and on the other I get pre qualified. Not sure if I should take the chance or not since one page isn't offering me anything....Hmmm

Re: Different Amex pre-qualification pages =different results

daveg38 — Fri, 18 Dec 2020 12:21:20 GMT

@addicted_to_credit wrote:
@MeN5 wrote:
When you Google Amex pre-qualification two separate ones appear. I currently don't have amex but I did try this a few months back and I was denied. Then it was showing bc and the blue card also 1 more can't remember them. Now it's showing the platinum. This is crazy! Isn't the platinum top tier?
The platinum is a charge card, IIRC it's the same underwriting as the green and gold. It seems like a 680(?) is the minimum required score for any Amex card. The revolvers are usually harder to get than charge cards in normal times and probably now as well. It's been a long time since I've had any personal dealings with Amex so hopefully someone will correct me if I'm wrong..

Regular cards (Gold, Platinum, Cash Magnet) with no co-branding can be approved at 660's if the profile is strong enough.

Cobranded cards (Delta, Hilton) are seeing approvals as low as 637 from my research - again, provided the credit file is strong enough.

Re: Different Amex pre-qualification pages =different results

SOGGIE — Fri, 18 Dec 2020 17:41:45 GMT

Yet, this is the website address you'll land when you select (for pre-quals) from the Amex website:

https://www.americanexpress.com/us/credit-cards/check-for-offers/?inav=menu_cards_prequal_offer

Re: Different Amex pre-qualification pages =different results

Anonymous — Tue, 04 May 2021 03:42:33 GMT

I just came across this post. My experience. In February I did the prequalify (not sure which link it was per this post) it was from google or something. It prequalified/preappoved me for 3-4 cards. I can't remember them all now. I was worried about a denial so I chose the Delta Gold which I think was the lower end of my choices, I did want a delta card for the miles. I was immediately approved $1,000 SL. I clicked the links in this post. The first one said no qualifies, the second link directed me to login to my Amex account and gives me 2 recommended cards. My history at the time of approval was around 30 new account, 28 inquiries, 3 derogatory, and I'm not sure about my score because it's so different every time I apply for something, but I would think it was in the mid 600's.

Re: Different Amex pre-qualification pages =different results

Chet1 — Tue, 04 May 2021 16:57:06 GMT

I had the same experience where one link gave me offers and the other didn't. Approved for Amex Platinum. They pulled Experian 8, score at the time was 745.

Re: Different Amex pre-qualification pages =different results

babygirl1256 — Tue, 04 May 2021 17:07:12 GMT

Interesting . . .

Re: Different Amex pre-qualification pages =different results

mtsaz — Sat, 06 Nov 2021 22:52:18 GMT

My fico is about 705. My transunion was 750 but tanked just by using a card- I hate that useless vantage score.

I also had the experience- where experian says "we matched you with the following" _---city advantage AA card- amex blue and platinum, and hilton amex==and some others - capital one etc I am not interested in.

So I went to the amex prequal- "sorry we have no matched offers for you"- then I tried the other one, and it matches me for 3 cards.

LIke everyone I am afraid to apply- I don't want a hard inquiry.

Here is the message:

m(my name) , check out this pre-qualified offer!

Even better, the Card you've matched with has exceptional perks so don't wait.

Blue Cash Everyday® Card
Blue Cash Preferred® Card
American Express® Gold Card

So if I understand what everyone is telling me- the first 2 cards are revolving and harder to get? The gold card is easier than the revolving cards? What about the amex hilton? Which do you think I have best odds of getting?
Thanks so much- you guys are awesome- and I realize this is an older forum but its relevent to me today! Thanks again.