topic Re: Amex preapproval in Credit Card Applications

Amex preapproval

micvite — Sat, 30 Oct 2021 08:47:58 GMT

So, finally out of the doghouse with Amex, I'm pre-approved for every card on their website, I want to apply for the platinum, which is one of two cards I can't check preapproval for since I have an upgrade offer for 25k Mr points from my gold card which I obviously don't want to do. Is it a safe bet to assume I'm most likely preapproved for that one as well since the Hilton aspire, Marriott, delta reserve and every other card says I'm pre-approved? Or is there a way to check the platinum as well before I app?

Thanks!

Re: Amex preapproval

Anonymous — Sat, 30 Oct 2021 16:44:25 GMT

Hi the pre-approved message thing does not always work. However, if I am you I would apply for a regular revolver card first than the Platinum card. I would be a priority on regular revolver card.

Re: Amex preapproval

micvite — Sat, 30 Oct 2021 19:13:36 GMT

@Anonymous wrote:
Hi the pre-approved message thing does not always work. However, if I am you I would apply for a regular revolver card first than the Platinum card. I would be a priority on regular revolver card.

I already have a revolver from them, and the only card that would interest me right now would be the platinum for lounge access, tsa precheck credit, and 5x on airfare...

Re: Amex preapproval

Anonymous — Mon, 01 Nov 2021 16:39:12 GMT

You can apply them if you wanted to and they wouldn't be any hp. However, if you know you could get a better scores or profile in the coming days you can wait until Amex update your new data on their database.

Re: Amex preapproval

OmarGB9 — Mon, 01 Nov 2021 18:24:25 GMT

@Anonymous wrote:
You can apply them if you wanted to and they wouldn't be any hp. However, if you know you could get a better scores or profile in the coming days you can wait until Amex update your new data on their database.

That's not guaranteed. It's *usually* only a SP, but there are documented instances on here of members taking an HP for a new account even if they're existing cardholders.

Re: Amex preapproval

ScorpioRising — Mon, 01 Nov 2021 21:19:25 GMT

@micvite wrote:
So, finally out of the doghouse with Amex, I'm pre-approved for every card on their website, I want to apply for the platinum, which is one of two cards I can't check preapproval for since I have an upgrade offer for 25k Mr points from my gold card which I obviously don't want to do. Is it a safe bet to assume I'm most likely preapproved for that one as well since the Hilton aspire, Marriott, delta reserve and every other card says I'm pre-approved? Or is there a way to check the platinum as well before I app?

Thanks!

If you want the Platinum, go ahead and apply for it. It most likely will be a soft pull anyway, so you have nothing to lose. Good luck!

Re: Amex preapproval

Anonymous — Tue, 02 Nov 2021 01:35:48 GMT

@OmarGB9 wrote:
@Anonymous wrote:
You can apply them if you wanted to and they wouldn't be any hp. However, if you know you could get a better scores or profile in the coming days you can wait until Amex update your new data on their database.
That's not guaranteed. It's *usually* only a SP, but there are documented instances on here of members taking an HP for a new account even if they're existing cardholders.

Wow. That's new to me regarding Amex applying hp even for existing member. I didn't know. I guess it is usually SP but hp is still possibility. Good to know. Thanks.!

Re: Amex preapproval

OmarGB9 — Tue, 02 Nov 2021 03:22:55 GMT

@Anonymous wrote:
@OmarGB9 wrote:
@Anonymous wrote:
You can apply them if you wanted to and they wouldn't be any hp. However, if you know you could get a better scores or profile in the coming days you can wait until Amex update your new data on their database.
That's not guaranteed. It's *usually* only a SP, but there are documented instances on here of members taking an HP for a new account even if they're existing cardholders.
Wow. That's new to me regarding Amex applying hp even for existing member. I didn't know. I guess it is usually SP but hp is still possibility. Good to know. Thanks.!

Yup, just ask @Brian_Earl_Spilner, @Anonymous, and I believe @coldfusion.

Re: Amex preapproval

Brian_Earl_Spilner — Tue, 02 Nov 2021 04:17:47 GMT

I took a hard pull on a denial once. Everything else was SP. I was an existing member.

Re: Amex preapproval

coldfusion — Tue, 02 Nov 2021 09:05:34 GMT

@OmarGB9 wrote:
@Anonymous wrote:
@OmarGB9 wrote:
@Anonymous wrote:
You can apply them if you wanted to and they wouldn't be any hp. However, if you know you could get a better scores or profile in the coming days you can wait until Amex update your new data on their database.
That's not guaranteed. It's *usually* only a SP, but there are documented instances on here of members taking an HP for a new account even if they're existing cardholders.
Wow. That's new to me regarding Amex applying hp even for existing member. I didn't know. I guess it is usually SP but hp is still possibility. Good to know. Thanks.!
Yup, just ask @Brian_Earl_Spilner, @Anonymous, and I believe @coldfusion.

Yep, they've HP'd me 3 times. All were with a clean and stable file, all led to approvals.

Re: Amex preapproval

Anonymous — Tue, 02 Nov 2021 20:15:59 GMT

@OmarGB9 wrote:
@Anonymous wrote:
@OmarGB9 wrote:
@Anonymous wrote:
You can apply them if you wanted to and they wouldn't be any hp. However, if you know you could get a better scores or profile in the coming days you can wait until Amex update your new data on their database.
That's not guaranteed. It's *usually* only a SP, but there are documented instances on here of members taking an HP for a new account even if they're existing cardholders.
Wow. That's new to me regarding Amex applying hp even for existing member. I didn't know. I guess it is usually SP but hp is still possibility. Good to know. Thanks.!
Yup, just ask @Brian_Earl_Spilner, @Anonymous, and I believe @coldfusion.

Thank you all for the info. I will keep that in mind and be careful not to apply anything just because. There is always something new I learned at myfico.com .

Re: Amex preapproval

micvite — Wed, 03 Nov 2021 19:04:36 GMT

@Anonymous wrote:
@OmarGB9 wrote:
@Anonymous wrote:
@OmarGB9 wrote:
@Anonymous wrote:
You can apply them if you wanted to and they wouldn't be any hp. However, if you know you could get a better scores or profile in the coming days you can wait until Amex update your new data on their database.
That's not guaranteed. It's *usually* only a SP, but there are documented instances on here of members taking an HP for a new account even if they're existing cardholders.
Wow. That's new to me regarding Amex applying hp even for existing member. I didn't know. I guess it is usually SP but hp is still possibility. Good to know. Thanks.!
Yup, just ask @Brian_Earl_Spilner, @Anonymous, and I believe @coldfusion.
Thank you all for the info. I will keep that in mind and be careful not to apply anything just because. There is always something new I learned at myfico.com .

Just to update before I start an approval thread, got approved with a soft pull.