topic Re: AMEX pre-qualify for existing AMEX users? in Credit Cards

AMEX pre-qualify for existing AMEX users?

Anonymous — Sat, 25 Aug 2018 14:33:07 GMT

I seem to be having difficulties navigating to the pre-qualify site as an existing Amex user. Each time it asks me to log in and once I do it transfers me to the page where you can see all cards however there is no option to see pre qualified cards?

Am I missing something in the navigation?

Re: AMEX pre-qualify for existing AMEX users?

Anonymous — Sat, 25 Aug 2018 14:38:31 GMT

@Anonymous wrote:
I seem to be having difficulties navigating to the pre-qualify site as an existing Amex user. Each time it asks me to log in and once I do it transfers me to the page where you can see all cards however there is no option to see pre qualified cards?

Am I missing something in the navigation?

To see if you're prequalified for an additional Amex card

(1) Click on the card you're interested in and then click on the "Apply now" button

(2) You should see either one of two statements (a) , MrMacintosh, You're pre-approved, or (b) Applying to expand your membership with us is easy.

Obviously, if you see the first statement you're pre-approved and should be able to obtain the card with just a soft pull. If not interested in that card, but hit your browser's Back button and move on to the next card.

Re: AMEX pre-qualify for existing AMEX users?

Anonymous — Sat, 25 Aug 2018 15:01:26 GMT

Thank you for the reply.. I am always cautious on the “apply now” buttons as I will not perform an application without a pre-approval first.

Re: AMEX pre-qualify for existing AMEX users?

Anonymous — Sat, 25 Aug 2018 15:09:00 GMT

@Anonymous wrote:
Thank you for the reply.. I am always cautious on the “apply now” buttons as I will not perform an application without a pre-approval first.

While your caution is good; I can't think of a lender that generates an application when someone clicks on the "Apply" button. There's usually additional information to submit, etc.

Re: AMEX pre-qualify for existing AMEX users?

2IMPROVE1 — Sat, 25 Aug 2018 16:51:34 GMT

Click on cards, you will see an option "check for pre-qualified offers."

Re: AMEX pre-qualify for existing AMEX users?

Anonymous — Sat, 25 Aug 2018 16:55:51 GMT

@2IMPROVE1 wrote:
Click on cards, you will see an option "check for pre-qualified offers."

That only shows you the three cards that are currently being pushed by Amex's marketing department. To see all the cards you may be pre-qualified for, you need to go through each one and hit the "Apply now" button to see what the message says.

Re: AMEX pre-qualify for existing AMEX users?

2IMPROVE1 — Sat, 25 Aug 2018 16:58:05 GMT

I just hit the apply now and it did tell me I was "pre-approved" but it also says get a decision in less than 30 seconds. That tells me there is a possibility I could be denied!

Re: AMEX pre-qualify for existing AMEX users?

Anonymous — Sat, 25 Aug 2018 17:01:01 GMT

@2IMPROVE1 wrote:
I just hit the apply now and it did tell me I was "pre-approved" but it also says get a decision in less than 30 seconds. That tells me there is a possibility I could be denied!

I just did it, got the same message. Said I was preapproved for $xxxxx. Hit the submit button, and got the we'll let you know in 14 days message.

Re: AMEX pre-qualify for existing AMEX users?

Anonymous — Sat, 25 Aug 2018 17:03:05 GMT

@2IMPROVE1 wrote:
I just hit the apply now and it did tell me I was "pre-approved" but it also says get a decision in less than 30 seconds. That tells me there is a possibility I could be denied!

There's always the possibility that you can be denied. Pre-approvals are based on soft pulls of your credit report. And if some factor has negatively affected your report since the last soft pull you can be denied. No lender will give you a 100% guarantee of approval without doing a hard pull; but Amex is as close as it will get.

Re: AMEX pre-qualify for existing AMEX users?

Anonymous — Sat, 25 Aug 2018 17:06:43 GMT

@Anonymous wrote:
@2IMPROVE1 wrote:
I just hit the apply now and it did tell me I was "pre-approved" but it also says get a decision in less than 30 seconds. That tells me there is a possibility I could be denied!
I just did it, got the same message. Said I was preapproved for $xxxxx. Hit the submit button, and got the we'll let you know in 14 days message.

Most likely your application has gone to manual review; if you had been denied you would have gotten a 7-10 days message. If you want to know the current status of your application, enter the requested information at this link: https://www262.americanexpress.com/eaol/welcome.do

Re: AMEX pre-qualify for existing AMEX users?

Shadowfactor — Sat, 25 Aug 2018 17:07:37 GMT

Normally preapprovals with Amex that result in the 14 day message is verification.
Call them and ask.

As maize stated. Preapprovals while logged in are probably the most accurate preapproval will get from any lender.

I would not advise applying when logged in though. You will never get the best sign up bonuses like that. Always app incognito with a better offer. If your preapproved when logged in. Your still preapproved when in incognito.

Re: AMEX pre-qualify for existing AMEX users?

2IMPROVE1 — Sat, 25 Aug 2018 17:14:25 GMT

Mine did not have a $ amount. You can call and generally someone can override the 14 days and approve you. My initial card was denied I called and got a nice lady that approved me.

Re: AMEX pre-qualify for existing AMEX users?

Anonymous — Sat, 25 Aug 2018 17:37:44 GMT

update....just got the approval email. Seemed weird that they gave me a pretty firm offer, then got the 14 day message.

Good to know about the "Apply" button trick. I too had been trying to figure out how to find prequalified offers.

Re: AMEX pre-qualify for existing AMEX users?

Anonymous — Sat, 25 Aug 2018 17:41:35 GMT

@Anonymous wrote:
@2IMPROVE1 wrote:
I just hit the apply now and it did tell me I was "pre-approved" but it also says get a decision in less than 30 seconds. That tells me there is a possibility I could be denied!
There's always the possibility that you can be denied. Pre-approvals are based on soft pulls of your credit report. And if some factor has negatively affected your report since the last soft pull you can be denied. No lender will give you a 100% guarantee of approval without doing a hard pull; but Amex is as close as it will get.

Great info throughout, MaizeandBlue.

Re: AMEX pre-qualify for existing AMEX users?

Anonymous — Sat, 25 Aug 2018 17:42:35 GMT

@Anonymous wrote:
update....just got the approval email. Seemed weird that they gave me a pretty firm offer, then got the 14 day message.

Good to know about the "Apply" button trick. I too had been trying to figure out how to find prequalified offers.

Congrats!!

Re: AMEX pre-qualify for existing AMEX users?

2IMPROVE1 — Sat, 25 Aug 2018 18:55:48 GMT

Did they soft pull? What is your Experian score?

Re: AMEX pre-qualify for existing AMEX users?

Anonymous — Sat, 25 Aug 2018 20:55:24 GMT

The Amex site is showing it as 804, not sure what it is now after a couple of Apps, but the Experian site shows 801.

I'm not sure if it was a HP or SP, I'll try to post back in a few days if my profile updates.

Re: AMEX pre-qualify for existing AMEX users?

Anonymous — Sat, 25 Aug 2018 21:39:22 GMT

Amex is usually a soft pull for existing members when applying for a pre-approved card.

Re: AMEX pre-qualify for existing AMEX users?

morgacj2004 — Sat, 25 Aug 2018 22:02:27 GMT

I have been pre-approved on all my recent AMEX cards (5-6) and have never had an issue getting approved. Always has been instant approval.

Re: AMEX pre-qualify for existing AMEX users?

ridgebackpilot — Sun, 26 Aug 2018 00:00:30 GMT

I recently won approval for my third and fourth AMEX cards (Platinum and SPG Luxury). Both pre-approved due to my accounts with AMEX and both instantly approved on SP only!

In my experience, you can take AMEX pre-approvals to the bank (literally)!