topic Question regarding Amex member pre-qual popups in Credit Card Applications

Question regarding Amex member pre-qual popups

AlanGJP — Mon, 16 Nov 2020 20:14:46 GMT

So I was approved for a Delta Gold yesterday and now when I browse to pre-qualify offers I get a different page. Right now I'm seeing a popup that says "Consider the bar raised. Check out our latest offers." with a Blue Cash Preferred Card Earn $300 back and a ton of white space under that.

What I'm wondering is, is this an actual pre-qualified offer - or merely a promotion for the blue cash preferred? If it's a pre-qual, I'd be all over it, but I don't want to waste another hard pull and be denied.

My wife has a Amex Gold card and I browsed to the same location and the has the same popup for the blue cash preferred. And an upgrade offer for the Amex platinum.

Can anyone answer this difinitively? Thanks guys!

Re: Question regarding Amex member pre-qual popups

AlanGJP — Mon, 16 Nov 2020 20:29:11 GMT

So I guess my question is - how do you know which cards you're pre-qualified for if you're already an Amex member?

Re: Question regarding Amex member pre-qual popups

AlanGJP — Mon, 16 Nov 2020 21:30:08 GMT

Nevermind, figured it out. Thanks anyways.

(For those that might see this - if you see "get a decsion in 30 seconds" - you're most likely pre-qualified. If you see something else (Click apply now - the wording will be on the top) you're probably not pre-qualified)

Re: Question regarding Amex member pre-qual popups

FinStar — Mon, 16 Nov 2020 22:53:15 GMT

The definitive answer (IME) is the wording " ______, you're pre-approved. Get a decision in as little as 30 seconds" when clicking on the apply button.

Re: Question regarding Amex member pre-qual popups

CAS2019 — Mon, 16 Nov 2020 23:38:56 GMT

@FinStar wrote:
The definitive answer (IME) is the wording " ______, you're pre-approved. Get a decision in as little as 30 seconds" when clicking on the apply button.

This was the exact wording I received when I got the offer. I also had the wording "You are pre approved for the Blue Card Preferred", along with the $300 bonus offer at the bottom of my account page to encourage me to apply (which is what I ended up doing)

2D0822E4-C6DD-412C-BB23-7A1991880C99.jpeg

Re: Question regarding Amex member pre-qual popups

Wavester64 — Tue, 17 Nov 2020 22:04:34 GMT

@FinStar wrote:
The definitive answer (IME) is the wording " ______, you're pre-approved. Get a decision in as little as 30 seconds" when clicking on the apply button.

Re: Question regarding Amex member pre-qual popups

AlanGJP — Sat, 21 Nov 2020 01:13:20 GMT

Thanks! So I've read the wording will switch from "It's easy to expand your relationship" to "Get a decision in 30 seconds" (Wording from memory) if you're pre-approved. So what we're really looking for is "You are pre-approved for..."?

Can anyone else clarify as I've now read both. I see how "you are pre-approved" is a difinitive answer, however - is "Get a decision in 30 seconds" also one? Or perhaps Amex sees you are credit worthy and wants to verify before approving you, versus pre-approval?

My wife's account shows the "Get a decision in 30 seconds" versus mine which says "It's easy to expand your relationship". She's had a gold card for over a year (nearly two), so I'm inclined to believe she'd be approved almost instantly for most Amex cards. But for all I know, I'm wrong.

Re: Question regarding Amex member pre-qual popups

coldfusion — Sat, 21 Nov 2020 01:54:33 GMT

@AlanGJP wrote:
Thanks! So I've read the wording will switch from "It's easy to expand your relationship" to "Get a decision in 30 seconds" (Wording from memory) if you're pre-approved. So what we're really looking for is "You are pre-approved for..."?

Can anyone else clarify as I've now read both. I see how "you are pre-approved" is a difinitive answer, however - is "Get a decision in 30 seconds" also one? Or perhaps Amex sees you are credit worthy and wants to verify before approving you, versus pre-approval?

My wife's account shows the "Get a decision in 30 seconds" versus mine which says "It's easy to expand your relationship". She's had a gold card for over a year (nearly two), so I'm inclined to believe she'd be approved almost instantly for most Amex cards. But for all I know, I'm wrong.

The actual phrasing is either "ZeroQuest, you are pre-approved! Get a decision in as little as 30 seconds." or "Applying to expand your membership with us is easy, ZeroQuest".

Re: Question regarding Amex member pre-qual popups

FinStar — Sat, 21 Nov 2020 01:59:10 GMT

@AlanGJP wrote:
Thanks! So I've read the wording will switch from "It's easy to expand your relationship" to "Get a decision in 30 seconds" (Wording from memory) if you're pre-approved. So what we're really looking for is "You are pre-approved for..."?

Can anyone else clarify as I've now read both. I see how "you are pre-approved" is a difinitive answer, however - is "Get a decision in 30 seconds" also one? Or perhaps Amex sees you are credit worthy and wants to verify before approving you, versus pre-approval?

My wife's account shows the "Get a decision in 30 seconds" versus mine which says "It's easy to expand your relationship". She's had a gold card for over a year (nearly two), so I'm inclined to believe she'd be approved almost instantly for most Amex cards. But for all I know, I'm wrong.

See above bolded section.

If you or DW are logged into your respective AmEx account profiles and you click the APPLY icon on the product that piques your interest, those are the exact words to look for to determine a pre-approval offer.

That said, if your profile supports an AmEx CC without relying so much on the pre-approved indicator and all the other prompts display, then just pull the trigger - YEMV.