topic Re: AMEX offer for Hilton Surpass. in Credit Card Applications

AMEX offer for Hilton Surpass.

slickwidit — Sun, 04 Jun 2023 18:16:52 GMT

Hi Everyone,

I think I have a noob question and I might already know the answer. I checked AMEX pre-approval tool and am being offer the Hilton surpass credit card. My question is, If I'm pre approved for the this card, would the platinum card also be in the same boat? or is it different for the co-branded cards? for context, I filed BK7 back in 2013 and I'm finally off the black list. This means I'm not experienced with Amex lending tendancies outside of the normal "does" and "don'ts".

Thanks in advance.

Re: AMEX offer for Hilton Surpass.

ScarlettHusky — Sun, 04 Jun 2023 23:04:39 GMT

@slickwidit wrote:
Hi Everyone,

I think I have a noob question and I might already know the answer. I checked AMEX pre-approval tool and am being offer the Hilton surpass credit card. My question is, If I'm pre approved for the this card, would the platinum card also be in the same boat? or is it different for the co-branded cards? for context, I filed BK7 back in 2013 and I'm finally off the black list. This means I'm not experienced with Amex lending tendancies outside of the normal "does" and "don'ts".

Thanks in advance.

I'd apply and find out. With Amex, the inital application is a SP. It only turns into a HP if you accept the card, so if you try for the platinum card and get denied it's no big deal.

Re: AMEX offer for Hilton Surpass.

SouthJamaica — Mon, 05 Jun 2023 01:34:28 GMT

@slickwidit wrote:
Hi Everyone,

I think I have a noob question and I might already know the answer. I checked AMEX pre-approval tool and am being offer the Hilton surpass credit card. My question is, If I'm pre approved for the this card, would the platinum card also be in the same boat? or is it different for the co-branded cards? for context, I filed BK7 back in 2013 and I'm finally off the black list. This means I'm not experienced with Amex lending tendancies outside of the normal "does" and "don'ts".

Thanks in advance.

Being preapproved for one doesn't necessarily mean you're preapproved for the other.

But the underwriting standards for the Surpass card are tougher than for the Platinum card, so you should feel confident in applying for the Platinum instead.

Re: AMEX offer for Hilton Surpass.

slickwidit — Fri, 09 Jun 2023 19:24:03 GMT

Platinum was approved!

Mods please close this for me .

Thanks

Re: AMEX offer for Hilton Surpass.

kh_jenn — Mon, 12 Jun 2023 14:47:32 GMT

Congrats on your approval! This thread is locked to new replies now, but please feel free to continue your discussion in Credit Card Approvals.