topic Re: Amex Pre-Qualified Credit Card Offers in Credit Cards

Amex Pre-Qualified Credit Card Offers

Anonymous — Tue, 20 Nov 2018 19:55:20 GMT

So I go on Amex.com and log in to look for any pre-qualified card offers might be there for me. All I see is a sceen with three cards (one of which is my card and is labled as "your card"...see pics below. This doesn't look like pre-qualified cards to me. Just looks like the main cards screen on the web site. Am I wrong and I'm prequalified for the Ascend and SPG cards?

Thanks!

Re: Amex Pre-Qualified Credit Card Offers

Anonymous — Tue, 20 Nov 2018 20:07:24 GMT

Click on "Apply Now" and see what it says. If it says "expanding your membership is easy" you're not pre-qualified. If it says "you're pre-qualified" than obviously, you're pre-qualified

Re: Amex Pre-Qualified Credit Card Offers

Anonymous — Tue, 20 Nov 2018 20:26:23 GMT

Thought it would have said that on the site. Anyway it says "expand your membership"...so no go. Thx! Was more curious than anything.

Re: Amex Pre-Qualified Credit Card Offers

Anonymous — Wed, 21 Nov 2018 03:35:19 GMT

I recently got the Amex Gold and I tried to do the same thing to see my pre-qualified options and I didn't have any. it says "expands your membership". I probably don't have any yet (through my account) because I am new to Amex (less than 1 month) but I curious, haha!

Re: Amex Pre-Qualified Credit Card Offers

charp150 — Wed, 21 Nov 2018 06:46:05 GMT

The ‘’your card” is AMEX marketing to get you to add an additional user. I always get it despite having preapprovals for other cards. I’ve app’d for two cards with “Expanding your membership is easy...” being displayed and was approved for both. So it doesn’t necessarily foreshadow a decline. I’ve never been able to figure out the logic but I’ve assumed it had to do with a fraud alert on my EX. Hard pulls for the approvals though.

Re: Amex Pre-Qualified Credit Card Offers

AverageJoesCredit — Wed, 21 Nov 2018 12:13:19 GMT

Never seen a preapproved in my life so anytime one sees an Amex they want never let that hold you back.

Re: Amex Pre-Qualified Credit Card Offers

ridgebackpilot — Wed, 21 Nov 2018 16:55:11 GMT

If you have existing AMEX cards and they're willing to offer you more, you'll get a "You're Pre-Approved" message when you click on "Apply Now".

If you accept their offer, it will be a SP rather than an HP.

Re: Amex Pre-Qualified Credit Card Offers

Anonymous — Wed, 21 Nov 2018 16:58:45 GMT

Agreed with AJC - never once saw a preapproval for AmEx, even two minutes before I applied for and was approved for the two in my sig. they’re nothing special compared to the rest of the AmEx lineup but I got them despite “we couldn’t locate any card offers for you”.

Re: Amex Pre-Qualified Credit Card Offers

Anonymous — Wed, 21 Nov 2018 17:48:13 GMT

dont they normally give us a single apr insted of an range when saying pre approved?

Re: Amex Pre-Qualified Credit Card Offers

Anonymous — Wed, 21 Nov 2018 23:00:22 GMT

@ridgebackpilot wrote:
If you have existing AMEX cards and they're willing to offer you more, you'll get a "You're Pre-Approved" message when you click on "Apply Now".

If you accept their offer, it will be a SP rather than an HP.

Is this true even if you use a referral link but you are in fact pre approved when checking so this way before hand?

I just checked for the new Gold card and I really want it and Im pre approved, but I want the 50k referral bonus, it would even be greater if I didnt get a hard pull.

Re: Amex Pre-Qualified Credit Card Offers

kmorr2586 — Wed, 21 Nov 2018 23:23:39 GMT

@Murph2k I believe Amex gives a range, but the pre-approval itself is solid.

Re: Amex Pre-Qualified Credit Card Offers

Anonymous — Thu, 22 Nov 2018 04:31:44 GMT

I am no expert by any means, new to the credit card game, but I have read and watched videos on it being hard pull for charge card and soft for credit card if u have a amex account already. I am Prequalified on all amex cards, but it never showed i was prequalified at first when clicking apply after i put income info in then it would popup preapproved. I Just got the cash magnet that way and want the gold still says preapproved but may give it couple more months.

Re: Amex Pre-Qualified Credit Card Offers

Medic981 — Thu, 22 Nov 2018 04:48:08 GMT

@AverageJoesCredit wrote:
Never seen a preapproved in my life so anytime one sees an Amex they want never let that hold you back.
AJC, this is what a pre-approval looks like!

Re: Amex Pre-Qualified Credit Card Offers

EAJuggalo — Thu, 22 Nov 2018 17:40:49 GMT

@Anonymous wrote:
I am no expert by any means, new to the credit card game, but I have read and watched videos on it being hard pull for charge card and soft for credit card if u have a amex account already. I am Prequalified on all amex cards, but it never showed i was prequalified at first when clicking apply after i put income info in then it would popup preapproved. I Just got the cash magnet that way and want the gold still says preapproved but may give it couple more months.

I have been an AMEX member for almost two years, I got one hard pull for my Hilton as my first card. And only soft pulls for both my BCE and what was the PRG, now Gold card.

Re: Amex Pre-Qualified Credit Card Offers

Anonymous — Wed, 05 Dec 2018 03:35:36 GMT

Update, just apped for gold card friday got it today, no hard pull so last 2 cards soft pulls only. I have read amex does hard pull sometimes on au, but added an au and none for that either.

Re: Amex Pre-Qualified Credit Card Offers

RicHowe — Wed, 05 Dec 2018 03:58:59 GMT

Pre-approvals are based on the previous soft-pull of your FICO score and will generally not incur a hard pull.

Subsequent hard pulls are usually due to:
* Short history as an AMEX cardmember
* Having your CRs frozen or locked. If Experian is unavailable TU and/or EQ will be hard-pulled
* Significant change in your score over time
* Significant change in utilization with other banks revealed in monthly soft pull