topic Re: Amex Prequal Offer Website Question in Credit Card Applications

Amex Prequal Offer Website Question

Anonymous — Thu, 18 Feb 2021 18:56:18 GMT

Good morning all,

Everytime I log into the American Express Credit Guide website, I no longer have to imput information. A screen shows up with matched offers automatically. Here is what is said today listed below. Is this a solid offer?

Re: Amex Prequal Offer Website Question

silver_idle — Thu, 18 Feb 2021 20:19:21 GMT

@Anonymous wrote:
Good morning all,

Everytime I log into the American Express Credit Guide website, I no longer have to imput information. A screen shows up with matched offers automatically. Here is what is said today listed below. Is this a solid offer?

A prequalification is a strong indication of approval but there is no guarantees as there may be other factors involved.

Re: Amex Prequal Offer Website Question

coldfusion — Thu, 18 Feb 2021 20:39:31 GMT

That in itself is not a solid offer.

Click on the Apply Now link; if it comes back with a page that says "You're pre-approved!" along the top left that is a solid ~90%-ish offer.

If it comes back with "Applying to expand your card membership is easy..." it does not mean that an application would be denied but you did not get a pre-approval.

You can safely click on the Apply Now link; you have to confirm some information and then click on an "Agree & Submit" button to initiate the approval process.

Re: Amex Prequal Offer Website Question

Anonymous — Thu, 18 Feb 2021 21:17:09 GMT

@coldfusion wrote:
That in itself is not a solid offer.

Click on the Apply Now link; if it comes back with a page that says "You're pre-approved!" along the top left that is a solid ~90%-ish offer.
If it comes back with "Applying to expand your card membership is easy..." it does not mean that an application would be denied but you did not get a pre-approval.

You can safely click on the Apply Now link; you have to confirm some information and then click on an "Agree & Submit" button to initiate the approval process.

Thanks for the help. Here is what I got

Re: Amex Prequal Offer Website Question

coldfusion — Thu, 18 Feb 2021 22:53:46 GMT

Ah. I misread your original post where you mentioned the Credit Guide site.

To doublecheck, go here:

https://www.americanexpress.com/us/credit-cards/check-for-offers/?eep=25330&linknav=US-Acq-Shop-Consumer-VAC-Prospect-PQbanner

and see what they prequal you for. If it also returns a Delta Gold prequal and you want to apply pick the link with the better offer and go ahead; but be aware that even with a prequal/preapproval an actual approval is not guaranteed.

Re: Amex Prequal Offer Website Question

FesteringTTT — Fri, 19 Feb 2021 18:55:21 GMT

Also, if you get the pre-qualify for one co-branded card, like Delta, it also means you're prequalified for the others (Hilton, Marriot, etc). There's a thread in here that talks about it. I got the Delta approval but went with the Hilton.

Re: Amex Prequal Offer Website Question

Anonymous — Mon, 22 Feb 2021 22:27:35 GMT

@coldfusion wrote:
Ah. I misread your original post where you mentioned the Credit Guide site.

To doublecheck, go here:

https://www.americanexpress.com/us/credit-cards/check-for-offers/?eep=25330&linknav=US-Acq-Shop-Consumer-VAC-Prospect-PQbanner

and see what they prequal you for. If it also returns a Delta Gold prequal and you want to apply pick the link with the better offer and go ahead; but be aware that even with a prequal/preapproval an actual approval is not guaranteed.

Thank you I definitely seen where the confusion would be. My bad, thank you for the knowledge.

Re: Amex Prequal Offer Website Question

Anonymous — Mon, 22 Feb 2021 22:28:45 GMT

@FesteringTTT wrote:
Also, if you get the pre-qualify for one co-branded card, like Delta, it also means you're prequalified for the others (Hilton, Marriot, etc). There's a thread in here that talks about it. I got the Delta approval but went with the Hilton.

Really, wow that is awesome to know. Hopefully when I app I can choose. Being that I have used the site three times now and did not app. I will wait about 90 days to apply.

Thank you.