topic Re: Amex webiste question in Credit Cards

Amex webiste question

Meanmchine — Wed, 27 Dec 2017 01:26:41 GMT

Hi everyone and Happy Holidays !

Im a current Amex cardholder with the Green and BCE cards.

When I log in and go to "Charge and Credit Card Offers" it will

show me the Plat card, PRG, and Delta Gold. Does this EVER change?

All the cards show that Im "pre-approved" but for a change of pace, I would like the above offers to change. Let the SPG or HH or ED show up.

Does anyone get different offers?

Thanks

Re: Amex webiste question

Anonymous — Wed, 27 Dec 2017 01:38:27 GMT

@Meanmchine wrote:
Hi everyone and Happy Holidays !

Im a current Amex cardholder with the Green and BCE cards.

When I log in and go to "Charge and Credit Card Offers" it will
show me the Plat card, PRG, and Delta Gold. Does this EVER change?

All the cards show that Im "pre-approved" but for a change of pace, I would like the above offers to change. Let the SPG or HH or ED show up.

Does anyone get different offers?

Thanks

I've got the BCP and PRG, when I check for offers it shows me the Everyday Card, SPG card and BCP with an annotation "your card" above it in red.

I'm holding out for the new Hilton Honors products that are getting released mid-January of 2018. They have a card in the lineup with a $95 annual fee that gives gold status and one with $495 annual fee that gives diamond status.

Re: Amex webiste question

AverageJoesCredit — Wed, 27 Dec 2017 02:09:28 GMT

They do change once in awhile. I used to see Plat, Prg ,and Delta. I currently see SPG, PRG and my card , though i never see preapproved, nobody ever preapproves me but thats alright, dont want to apply anyway. Mine just say expand your membership with us blah blah blah

Re: Amex webiste question

RicHowe — Wed, 27 Dec 2017 02:18:45 GMT

@AverageJoesCredit
Aww I approve you AJC! 😀
Both of us have to wait a few more billing cycles until we see our AMEX pre-approvals too.

Re: Amex webiste question

K-in-Boston — Wed, 27 Dec 2017 02:34:53 GMT

Mine change all of the time. Right now it's $200 BCP, $150 BCE, and 10k MQM + 40k miles Delta Reserve for me (looks like they're no longer offering to upgrade my 2 month-old SkyMiles Platinum to Reserve now LOL).

If you click View All Cards and actually click Apply Now on any card in the list, it will tell you at the top of the next screen if you are pre-approved. However, for revolving cards you'll want to look at the APR to see if it's one number to determine whether it's an actual prequalification (the Mercedes-Benz card being a notable exception since it's the same APR for everyone).

Re: Amex webiste question

AverageJoesCredit — Wed, 27 Dec 2017 02:39:11 GMT

Ah shucks, Ric, better than a SPG anyday

Psss, just dont tell that to K

Re: Amex webiste question

mkhan1093 — Wed, 27 Dec 2017 03:23:47 GMT

No regular pre-approvals here either. Amex I guess isn't the biggest fan of me - they never ever give me 61-day CLIs

Re: Amex webiste question

Meanmchine — Wed, 27 Dec 2017 04:16:28 GMT

I am due for my 6 month CLI on New Years Eve. Gonna wait til Jan 2nd incase they want a call in. On Jan 1st, Ill see if my preapprovals change.

Quick side question ( it my thred and I can hijack it if i want to ) The $35k threshold on CLs before triggering a FR, is that on a single card or across all cards? If I pulled the trigger on the Delta card and got a $10k SL and then got a CLI on my BCE to $34K, would that trigger a FR request? I wont know til Feb what my annual income was for 2016.

Re: Amex webiste question

HeavenOhio — Wed, 27 Dec 2017 04:36:00 GMT

You're extremely unlikely to be restricted and subjected to financial review, but it's always possible that AMEX might ask for income verification. If that's the case and you don't want to play, hit the back button and try a lower amount.

Re: Amex webiste question

K-in-Boston — Wed, 27 Dec 2017 05:05:20 GMT

Indeed a Financial Review will certainly require income verification, but Amex asking for income verification is NOT a financial review. $35k is very arbritrary. People get asked for it earlier and some people are never asked for it. I’d say my odds are 50/50 when I ask for $63k on SPG next month. The people that do asked when it’s $30k-something is on one card though.

Re: Amex webiste question

K-in-Boston — Wed, 27 Dec 2017 06:04:08 GMT

@Meanmchine wrote:
If I pulled the trigger on the Delta card and got a $10k SL and then got a CLI on my BCE to $34K, would that trigger a FR request? I wont know til Feb what my annual income was for 2016.

Last sentence I assume is 2017? Or is there some long-simmering adjustment you’re waiting on? Keep in mind that if you DO get asked for IV anytime in the next 7-8 months, the 4506-T will give them access to 2015 and 2016 as 2017 won’t be available for transcripts until later in 2018.

Probably should have mentioned earlier that in DW’s recent experience even if you think Amex may have cut you off or may require IV soon it’s not always the case. She asked for a 3X CLI on her ED card from $12k to $36k and was counter-offered $32k. Then literally weeks later was approved for a Gold SkyMiles card for $23,700. One of those bizarre Chase-like moves. “No, you cannot have a CLI on the $4k Freedom card you’ve run many thousands through this year, but how about a $27k CSP/CSR?”

Re: Amex webiste question

MrDisco99 — Wed, 27 Dec 2017 06:33:08 GMT

Was that $23,700 the starting limit they gave her? If so, that's an oddly specific number! I was actually kinda curious what the maximum starting limit was that Amex gave out. Until I saw your reply, the highest I think I'd seen was $20K.

Re: Amex webiste question

K-in-Boston — Wed, 27 Dec 2017 07:05:15 GMT

Yes to both. $23,700 was the starting limit and it is indeed oddly specific. It's like they wanted to outdo her last highest SL back in April (NFCU $23,300), but just barely. Then of course Chase came along and gave her $27,000 for CSP right after (but of course the Gold SkyMiles card wasn't reporting yet). I'm afraid to have her app for anything again!

Re: Amex webiste question

simplynoir — Wed, 27 Dec 2017 10:12:55 GMT

@MrDisco99 wrote:
Was that $23,700 the starting limit they gave her? If so, that's an oddly specific number! I was actually kinda curious what the maximum starting limit was that Amex gave out. Until I saw your reply, the highest I think I'd seen was $20K.

I think without any prior or current relationship with AMEX they like to start people on the "low" side for even people with excellent credit/income.

Re: Amex webiste question

AverageJoesCredit — Wed, 27 Dec 2017 11:53:58 GMT

K, Chase talk is forbidden on Amex threads! Theres enough talk of 5/24 we dont need it 24/7

Re: Amex webiste question

MrDisco99 — Wed, 27 Dec 2017 14:02:16 GMT

@simplynoir wrote:
@MrDisco99 wrote:
Was that $23,700 the starting limit they gave her? If so, that's an oddly specific number! I was actually kinda curious what the maximum starting limit was that Amex gave out. Until I saw your reply, the highest I think I'd seen was $20K.
I think without any prior or current relationship with AMEX they like to start people on the "low" side for even people with excellent credit/income.

While I agree that's how they are with most people, I have seen some first timer BCEs approved for $20K over on the approvals forum before.

Re: Amex webiste question

simplynoir — Wed, 27 Dec 2017 14:10:22 GMT

@MrDisco99 wrote:
@simplynoir wrote:
@MrDisco99 wrote:
Was that $23,700 the starting limit they gave her? If so, that's an oddly specific number! I was actually kinda curious what the maximum starting limit was that Amex gave out. Until I saw your reply, the highest I think I'd seen was $20K.
I think without any prior or current relationship with AMEX they like to start people on the "low" side for even people with excellent credit/income.
While I agree that's how they are with most people, I have seen some first timer BCEs approved for $20K over on the approvals forum before.

There must have been something they liked about their profiles then as is the YMMV nature of AMEX. For me I couldn't crack the $20k+ initial limit til my recent apps for the personal/biz SPG cards.

Re: Amex webiste question

Meanmchine — Wed, 27 Dec 2017 16:49:44 GMT

@AverageJoesCredit wrote:
K, Chase talk is forbidden on Amex threads! Theres enough talk of 5/24 we dont need it 24/7

LOL !!

I have no idea what Id do if the Amex Centurion Card hit my preapproval page.