topic AMEX Pre-approvals in Credit Card Applications

AMEX Pre-approvals

wambeezy — Sat, 02 Dec 2023 11:14:42 GMT

Hi All!

Has AMEX always given you a choice to accept a card or withdraw application from checking pre-approvals? It's been a while since I last checked for their pre-approved cards so I wasn't sure if AMEX has made changes.

Re: AMEX Pre-approvals

JoeRockhead — Sat, 02 Dec 2023 11:38:13 GMT

It's not always been this way. I believe they've incorporated their "apply with confidence" feature previously only available to new customers to their pre-approvals for existing card holders. I think it's a nice feature to see if you're approved without a HP (good chance it's only a SP for existing card holders), would be even nicer if they gave you the SL too before you had to make a decision to accept.

Re: AMEX Pre-approvals

CreditCuriosity — Sat, 02 Dec 2023 14:40:31 GMT

believe they are making changes to rewards as well such as bonus up to 150k mr's or up to 100k hilton points language and will tell you what you actually will get and can withdrawl if not mistaken if you dont get bonus you want. This is a newer change I have seen on DOC, etc.

Re: AMEX Pre-approvals

GZG — Sat, 02 Dec 2023 16:54:43 GMT

@wambeezy wrote:
Hi All!

Has AMEX always given you a choice to accept a card or withdraw application from checking pre-approvals? It's been a while since I last checked for their pre-approved cards so I wasn't sure if AMEX has made changes.

@JoeRockhead wrote:
It's not always been this way. I believe they've incorporated their "apply with confidence" feature previously only available to new customers to their pre-approvals for existing card holders. I think it's a nice feature to see if you're approved without a HP (good chance it's only a SP for existing card holders), would be even nicer if they gave you the SL too before you had to make a decision to accept.

https://ficoforums.myfico.com/t5/Credit-Cards/Amex-added-Apply-with-Confidence-Language-for-current-Customers/m-p/6716762

yeah it's a relatively recent change

I too would appreciate seeing the SL, but given how easy Amex will raise CL's, I've come around with them not showing that information

Re: AMEX Pre-approvals

RobynJ — Sat, 02 Dec 2023 17:09:43 GMT

They are giving you warning if you don't qualify for the SUB ( I opened to many cards with them and received too many subs in a year timeframe) and they will allow you to reject the offer. I have never received another HP after my first card with them. They always use a SP for me now. This was for a personal loan with them too.