topic No Amex preapproved offers since I closed card last year in Credit Card Applications

No Amex Preapproval offers Strange

MeN5 — Mon, 14 Mar 2022 16:07:31 GMT

I'm wondering since I closed my Amex card that had a low limit will that have an affect of getting preapproved in the future and if so for how long?

Re: No Amex Preapproval offers Strange

Remedios — Mon, 14 Mar 2022 16:43:54 GMT

I don't think it's strange if you opened it, got SUB, then closed the account. That's one way to get on the wrong side of Amex.

Since your low limit was a result of having BK on the file when you applied, waiting a little would have been by far better option.

Card was opened six months ago and already closed.

Even if you closed it without getting the sub you'd be in the same boat, but perhaps shorter sailing time.

In any case, you might get pre-approval in days, months, no-time-soon. I would expect to see a pop up when you apply if you closed after collecting SUB

Re: No Amex Preapproval offers Strange

MeN5 — Thu, 17 Mar 2022 09:02:25 GMT

@Remedios @I didn't get the sub . I only used it like twice and closed it.

Re: No Amex Preapproval offers Strange

Remedios — Thu, 17 Mar 2022 11:53:59 GMT

I remember one member who was approved for $500.00 (BCP I believe), and he closed it before activating the card.

Amex was "mad" for about a year, then they got approved for multiple cards later.

Re: No Amex Preapproval offers Strange

bigseegar — Thu, 17 Mar 2022 12:11:34 GMT

If you closed it within a year of approval that's exactly what it is.

Re: No Amex Preapproval offers Strange

Dp23 — Thu, 17 Mar 2022 14:22:55 GMT

I recently got a new Amex (BCE) card two months ago & have received emails saying log in to see new offers. Well I log in to what cards I'm pre-approved for & all of them show up. Is it in fact I'm pre-approved for all cards or am I just reading suggestions. Before I applied for the Amex card only BCE, Gold & Platinum popped up.

Re: No Amex Preapproval offers Strange

SouthernCredit — Fri, 18 Mar 2022 12:38:40 GMT

@Dp23 wrote:
I recently got a new Amex (BCE) card two months ago & have received emails saying log in to see new offers. Well I log in to what cards I'm pre-approved for & all of them show up. Is it in fact I'm pre-approved for all cards or am I just reading suggestions. Before I applied for the Amex card only BCE, Gold & Platinum popped up.

If you click on the apply button for each card, you will either see language stating you're preapproved, or something along the lines of how you can extend your relationship with Amex. The preapproval language is just that; other language is not.

Re: No Amex Preapproval offers Strange

disdreamin — Fri, 18 Mar 2022 13:31:24 GMT

@Dp23 wrote:
I recently got a new Amex (BCE) card two months ago & have received emails saying log in to see new offers. Well I log in to what cards I'm pre-approved for & all of them show up. Is it in fact I'm pre-approved for all cards or am I just reading suggestions. Before I applied for the Amex card only BCE, Gold & Platinum popped up.

That's odd - under "Check for Pre-qualified CC Offers" I only see a few cards. There's a graphic that says "Browse all cards" but I don't think I'm pre-qualified for those. Currently, my only AmEx card is BCP and I've got pre-quals on only Gold or Platinum, no others.

No Amex preapproved offers since I closed card last year

MeN5 — Fri, 22 Jul 2022 04:04:31 GMT

I cannot get a preapproved offer since I closed account last yr no I did not get the sub and I closed it cause of the low limit of 1k but I got this what do you think of this says special offer for you 400$ instead of 350

Re: No Amex preapproved offers since I closed card last year

Anonymous — Fri, 22 Jul 2022 05:48:14 GMT

@MeN5 For data points: Which small limit American Express card did you close last year?

Re: No Amex Preapproval offers Strange

Trini88 — Sat, 23 Jul 2022 13:00:45 GMT

@disdreamin wrote:
@Dp23 wrote:
I recently got a new Amex (BCE) card two months ago & have received emails saying log in to see new offers. Well I log in to what cards I'm pre-approved for & all of them show up. Is it in fact I'm pre-approved for all cards or am I just reading suggestions. Before I applied for the Amex card only BCE, Gold & Platinum popped up.
That's odd - under "Check for Pre-qualified CC Offers" I only see a few cards. There's a graphic that says "Browse all cards" but I don't think I'm pre-qualified for those. Currently, my only AmEx card is BCP and I've got pre-quals on only Gold or Platinum, no others.

To see if you are truly preapproved. Log into your Amex account and under a credit card you want click apply. If it says your name and next to it, it says "expand your membership" you aren't preapproved. If it says your name and says "you're preapproved", then you are preapproved. I never understood the preapproved posts until I realized I had to click "apply" under each card I wanted to see which cards I'm preapproved for.

Re: No Amex preapproved offers since I closed card last year

OmarGB9 — Sat, 23 Jul 2022 18:21:01 GMT

@MeN5 wrote:
I cannot get a preapproved offer since I closed account last yr no I did not get the sub and I closed it cause of the low limit of 1k but I got this what do you think of this says special offer for you 400$ instead of 350

Whether or not you got the sub is irrelevant. Fact is, you opened and closed a card with them in a short amount of time. Amex doesn't care what your reason for closing it was. All they care is that you closed it within 6 months.

If you're talking about the same card you applied for, got, and closed quickly last year that they're offering some special SUB on now, it's not going to happen. When you do the full app they'll disqualify you from a SUB for it (if you're approved at all).

Re: No Amex preapproved offers since I closed card last year

MeN5 — Wed, 27 Jul 2022 16:18:26 GMT

Bcp

Re: No Amex preapproved offers since I closed card last year

CreditPacMan — Wed, 27 Jul 2022 17:31:33 GMT

@OmarGB9 Not sure I would agree with the bold statements below. AMEX like any other bank does not like those who abuse SUBs by opening an account, getting a SUB then downgrading or closing the account. Obviously, not getting a SUB and closing an account is no the same as getting a SUB and closing an account. I see no reason why any bank should care about WHEN someone closes their account .. whether within a year or even a week!

@OmarGB9 wrote:
@MeN5 wrote:
I cannot get a preapproved offer since I closed account last yr no I did not get the sub and I closed it cause of the low limit of 1k but I got this what do you think of this says special offer for you 400$ instead of 350
Whether or not you got the sub is irrelevant. Fact is, you opened and closed a card with them in a short amount of time. Amex doesn't care what your reason for closing it was. All they care is that you closed it within 6 months.

If you're talking about the same card you applied for, got, and closed quickly last year that they're offering some special SUB on now, it's not going to happen. When you do the full app they'll disqualify you from a SUB for it (if you're approved at all).

Re: No Amex preapproved offers since I closed card last year

OmarGB9 — Wed, 27 Jul 2022 18:12:15 GMT

@CreditPacMan wrote:
@OmarGB9 Not sure I would agree with the bold statements below. AMEX like any other bank does not like those who abuse SUBs by opening an account, getting a SUB then downgrading or closing the account. Obviously, not getting a SUB and closing an account is no the same as getting a SUB and closing an account. I see no reason why any bank should care about WHEN someone closes their account .. whether within a year or even a week!

@OmarGB9 wrote:
@MeN5 wrote:
I cannot get a preapproved offer since I closed account last yr no I did not get the sub and I closed it cause of the low limit of 1k but I got this what do you think of this says special offer for you 400$ instead of 350
Whether or not you got the sub is irrelevant. Fact is, you opened and closed a card with them in a short amount of time. Amex doesn't care what your reason for closing it was. All they care is that you closed it within 6 months.

If you're talking about the same card you applied for, got, and closed quickly last year that they're offering some special SUB on now, it's not going to happen. When you do the full app they'll disqualify you from a SUB for it (if you're approved at all).

While I agree that if you didn't get the SUB they shouldn't "punish" you as harshly and they shouldn't care whether you open/close an account quickly (as long as there's no abuse), the reality is that they do. They view all those that open/close accounts quickly as churners, whether or not they actually are.