topic Re: AMEX - Check Pre-qualified question in Credit Cards

AMEX - Check Pre-qualified question

mikesonthemend — Mon, 24 Jun 2019 02:05:03 GMT

New Amex customer, since March.... While I am not ready for a new account, I am considering adding a new card, if I can, in November. I am particularly interested in the Blue Cash Preferred or the Blue Cash everyday.

When I visit AMEX site from safari browser on my phone they show 18 cards on the "all cards" view. While logged in on my regular browser only 15 cards show. When I hit the pre-qualified link all 15 cards show, but without any designation as pre-qualified. The Blue Cash Everyday is the only one with a single interest rate. The Blue Cash preferred doesn't show up at all. Not sure what the other 2 cards that dont show are.

Basically I take this to mean I am not pre=qualified for any of them. I guess my question is, why are three cards eliminated from the view, and why does the BCE have a single interest rate if I am not pre-qualified?

My guess is, the BCE only has one interest rate available. Can anyone confirm this?

Thanks!

Re: AMEX - Check Pre-qualified question

Anonymous — Mon, 24 Jun 2019 02:17:08 GMT

@mikesonthemend wrote:
New Amex customer, since March.... While I am not ready for a new account, I am considering adding a new card, if I can, in November. I am particularly interested in the Blue Cash Preferred or the Blue Cash everyday.

When I visit AMEX site from safari browser on my phone they show 18 cards on the "all cards" view. While logged in on my regular browser only 15 cards show. When I hit the pre-qualified link all 15 cards show, but without any designation as pre-qualified. The Blue Cash Everyday is the only one with a single interest rate. The Blue Cash preferred doesn't show up at all. Not sure what the other 2 cards that dont show are.

Basically I take this to mean I am not pre=qualified for any of them. I guess my question is, why are three cards eliminated from the view, and why does the BCE have a single interest rate if I am not pre-qualified?

My guess is, the BCE only has one interest rate available. Can anyone confirm this?

Thanks!

BCE shows me 15.24% - 26.24%. When you click Apply Now, does it say Expand Your Membership it pre-approved?

Re: AMEX - Check Pre-qualified question

mikesonthemend — Mon, 24 Jun 2019 02:19:16 GMT

@Anonymous wrote:
BCE shows me 15.24% - 26.24%. When you click Apply Now, does it say Expand Your Membership it pre-approved?

I haven't clicked apply. It shows only 22.24%

Re: AMEX - Check Pre-qualified question

Jnbmom — Mon, 24 Jun 2019 02:21:03 GMT

If it says you are "Preapproved" it is usually "almost" a gimmie, if it asks you to "expand your membership" don't apply.

Re: AMEX - Check Pre-qualified question

Anonymous — Mon, 24 Jun 2019 02:22:02 GMT

@mikesonthemend wrote:
@Anonymous wrote:
BCE shows me 15.24% - 26.24%. When you click Apply Now, does it say Expand Your Membership it pre-approved?
I haven't clicked apply. It shows only 22.24%

To answer your other question, I show 18 cards whether logged in or not. If you click Applying Now, which takes you to the screen where you just enter your income, it will say if you are pre-approved or not. If you are not pre-approved, it will say Expanding Your Membership with us is easy, or something along those lines. Appears with a single rate you are pre-approved.

Re: AMEX - Check Pre-qualified question

mikesonthemend — Mon, 24 Jun 2019 02:23:28 GMT

I clicked apply, an no. It was an app with the hard interest rate. That is what I figured.

Still curious about the refined list of cards, 15 vs. 18

Re: AMEX - Check Pre-qualified question

Petit3tee — Mon, 24 Jun 2019 02:25:06 GMT

Have you tried under incognito mode without logging in? It's only going to give you 2 responses -

1. Sorry, we were unable to match you with any pre-qualified offers at this time. (I put my info. here, currently have 2 cards with them)
2. Congratulations, xxxxxxxxx! You're pre-qualified for these offers. (My sister info. here, currently have 1 card with them)

If you're pre-approved there, I take it as a solid affirmation. Best of luck!

Re: AMEX - Check Pre-qualified question

Anonymous — Mon, 24 Jun 2019 02:25:52 GMT

@mikesonthemend wrote:
I clicked apply, an no. It was an app with the hard interest rate. That is what I figured.

Still curious about the refined list of cards, 15 vs. 18

Still odd that it has a hard interest rate showing. Did it say Expanding Your Membership at the top of the page? Just a thought, but are the other 3 Delta Co-Branded cards showing available?

Re: AMEX - Check Pre-qualified question

Anonymous — Mon, 24 Jun 2019 02:28:41 GMT

To see if you're actually pre-approved for a card, you need to select the specific card, then click the "Apply Now" button.

If you see a comment stating "Mikesonthemend, you are pre-approved! Get a decision in as little as 30 seconds" you're are obviously good to go. If the comment states "Expanding your membership with us is easy" then you're not.

Instead of using the View Pre-Qualified Cards link, click on Menu > View All Cards > and select the one(s) you're interested in. Then click the Apply Now button and see what it says. You can use your browser's Back button to leave without actually applying.

Amex has a dynamic website; if you recently applied for a card and were denied then that card is removed from view when logged in to your account for either 30 or 90 days. Also, certain cards will not be viewable when logged in if you're not pre-approved for them.

Re: AMEX - Check Pre-qualified question

mikesonthemend — Mon, 24 Jun 2019 02:32:40 GMT

@Anonymous wrote:
Still odd that it has a hard interest rate showing. Did it say Expanding Your Membership at the top of the page? Just a thought, but are the other 3 Delta Co-Branded cards showing available?

Yep, expanding with a single rate.

Yes the other Delta cards show, and are "featured" cards. Well the were, this time I got:

Clicked apply and:

same single interest rate

Re: AMEX - Check Pre-qualified question

mikesonthemend — Mon, 24 Jun 2019 02:34:31 GMT

@Anonymous wrote:
To see if you're actually pre-approved for a card, you need to select the specific card, then click the "Apply Now" button.

If you see a comment stating "Mikesonthemend, you are pre-approved! Get a decision in as little as 30 seconds" you're are obviously good to go. If the comment states "Expanding your membership with us is easy" then you're not.

Instead of using the View Pre-Qualified Cards link, click on Menu > View All Cards > and select the one(s) you're interested in. Then click the Apply Now button and see what it says. You can use your browser's Back button to leave without actually applying.

Amex has a dynamic website; if you recently applied for a card and were denied then that card is removed from view when logged in to your account for either 30 or 90 days. Also, certain cards will not be viewable when logged in if you're not pre-approved for them.

Thanks!

Re: AMEX - Check Pre-qualified question

Jnbmom — Mon, 24 Jun 2019 02:36:54 GMT

@mikesonthemend wrote:
@Anonymous wrote:
Still odd that it has a hard interest rate showing. Did it say Expanding Your Membership at the top of the page? Just a thought, but are the other 3 Delta Co-Branded cards showing available?
Yep, expanding with a single rate.

Yes the other Delta cards show, and are "featured" cards. Well the were, this time I got:
Clicked apply and:
same single interest rate

Yes that verbage is NOT a preapproval. But keep checking I have found nothing one week and 3 offers the next week.

Re: AMEX - Check Pre-qualified question

ChargedUp — Mon, 24 Jun 2019 04:36:18 GMT

Well that's interesting. I just signed in and got the "You're Pre-approved" message when I clicked apply for the ED card, but with a range of interest rates.

I wish Chase and USB made it this easy!

Re: AMEX - Check Pre-qualified question

mikesonthemend — Mon, 24 Jun 2019 04:41:59 GMT

@ChargedUp wrote:
Well that's interesting. I just signed in and got the "You're Pre-approved" message when I clicked apply for the ED card, but with a range of interest rates.

I wish Chase and USB made it this easy!

Did you pull the trigger?

Re: AMEX - Check Pre-qualified question

ChargedUp — Mon, 24 Jun 2019 05:03:01 GMT

@mikesonthemend wrote:
@ChargedUp wrote:
Well that's interesting. I just signed in and got the "You're Pre-approved" message when I clicked apply for the ED card, but with a range of interest rates.

I wish Chase and USB made it this easy!
Did you pull the trigger?

Nope, I just recently opened 2 cards, and I don't want to dump my AAoA too much lower. I'm sitting at 2Y10M now from 3Y1M before the Savor and BBVA... But oooooh it's tempting!

Re: AMEX - Check Pre-qualified question

Jnbmom — Mon, 24 Jun 2019 06:26:58 GMT

@ChargedUp wrote:
@mikesonthemend wrote:
@ChargedUp wrote:
Well that's interesting. I just signed in and got the "You're Pre-approved" message when I clicked apply for the ED card, but with a range of interest rates.

I wish Chase and USB made it this easy!
Did you pull the trigger?
Nope, I just recently opened 2 cards, and I don't want to dump my AAoA too much lower. I'm sitting at 2Y10M now from 3Y1M before the Savor and BBVA... But oooooh it's tempting!

@ChargedUp curious did you see a dip in your scores?

I opened up several accounts this past year, went from AAoA 2Y 3 M to 1Y 8 M and took a nice little dip for it, but it will rebound, but NO new cards for me lol

Re: AMEX - Check Pre-qualified question

Anonymous — Mon, 24 Jun 2019 06:40:04 GMT

@Jnbmom wrote:
@ChargedUp wrote:
@mikesonthemend wrote:
@ChargedUp wrote:
Well that's interesting. I just signed in and got the "You're Pre-approved" message when I clicked apply for the ED card, but with a range of interest rates.

I wish Chase and USB made it this easy!
Did you pull the trigger?
Nope, I just recently opened 2 cards, and I don't want to dump my AAoA too much lower. I'm sitting at 2Y10M now from 3Y1M before the Savor and BBVA... But oooooh it's tempting!
@ChargedUp curious did you see a dip in your scores?

I opened up several accounts this past year, went from AAoA 2Y 3 M to 1Y 8 M and took a nice little dip for it, but it will rebound, but NO new cards for me lol

Should not have seen a dip from AAoA falling from 3 yr 1 mth to 2 yr 10 mth. The 2 yr AAoA is a known threshold so you can expect to lose points for going below 2 years but 3 years is not a threshold as far as I know.

Re: AMEX - Check Pre-qualified question

Gollum — Mon, 24 Jun 2019 08:03:41 GMT

@mikesonthemend wrote:
New Amex customer, since March.... While I am not ready for a new account, I am considering adding a new card, if I can, in November. I am particularly interested in the Blue Cash Preferred or the Blue Cash everyday.

When I visit AMEX site from safari browser on my phone they show 18 cards on the "all cards" view. While logged in on my regular browser only 15 cards show. When I hit the pre-qualified link all 15 cards show, but without any designation as pre-qualified. The Blue Cash Everyday is the only one with a single interest rate. The Blue Cash preferred doesn't show up at all. Not sure what the other 2 cards that dont show are.

Basically I take this to mean I am not pre=qualified for any of them. I guess my question is, why are three cards eliminated from the view, and why does the BCE have a single interest rate if I am not pre-qualified?

My guess is, the BCE only has one interest rate available. Can anyone confirm this?

Thanks!

WWW browser cookies and data tracking is my guess for the discrepancy, especially when using a smartphone.

Re: AMEX - Check Pre-qualified question

ChargedUp — Mon, 24 Jun 2019 12:20:42 GMT

@Anonymous wrote:
@Jnbmom wrote:
@ChargedUp wrote:
@mikesonthemend wrote:
@ChargedUp wrote:
Well that's interesting. I just signed in and got the "You're Pre-approved" message when I clicked apply for the ED card, but with a range of interest rates.

I wish Chase and USB made it this easy!
Did you pull the trigger?
Nope, I just recently opened 2 cards, and I don't want to dump my AAoA too much lower. I'm sitting at 2Y10M now from 3Y1M before the Savor and BBVA... But oooooh it's tempting!
@ChargedUp curious did you see a dip in your scores?

I opened up several accounts this past year, went from AAoA 2Y 3 M to 1Y 8 M and took a nice little dip for it, but it will rebound, but NO new cards for me lol

Should not have seen a dip from AAoA falling from 3 yr 1 mth to 2 yr 10 mth. The 2 yr AAoA is a known threshold so you can expect to lose points for going below 2 years but 3 years is not a threshold as far as I know.

Actually, my scores went up a bit. I'm assuming from the bump in available credit. I'm aiming for getting past the five year mark eventually, and I really don't want another $1K or $2K card that will grow glacially like BCE did. I've got 2 SUBs I'm already working on as well. 😎

Re: AMEX - Check Pre-qualified question

sghosh5 — Mon, 24 Jun 2019 15:25:27 GMT

I just checked mine and it now shows 'Exapnd ....' thing for all cards again. Last month i was pre-approved for everything. I agree that if it does not say 'Pre-approved' then it is almost a sure denial.