topic Re: Amex Pre-approval Changes? in Credit Cards

Amex Pre-approval Changes?

Brian_Earl_Spilner — Fri, 01 Nov 2019 05:34:48 GMT

Logged into Amex to check charge and payment postings and decided to check the pre-approval section, like I always do, and came across this. Some cards are showing language like it always has, that I'm not pre-approved. Other cards are showing an application. Did I miss something? Are SP approvals a thing of the past? Or is the application cards the ones that aren't pre-approved now?

Re: Amex Pre-approval Changes?

Brian_Earl_Spilner — Fri, 01 Nov 2019 05:22:01 GMT

And who's gonna be the first guinea pig?

Re: Amex Pre-approval Changes?

Anonymous — Fri, 01 Nov 2019 05:25:26 GMT

Can confirm. I always am preapproved for BCE even though I can't get the bonus.

The rest of them saying "expand your membership" like always.

Re: Amex Pre-approval Changes?

FinStar — Fri, 01 Nov 2019 05:37:13 GMT

I don't see any significant changes from my end. Any of the ones that I currently don't have still display as pre-approved. So, to me, no pre-approval changes display ¯\_(ツ)_/¯

Re: Amex Pre-approval Changes?

Brian_Earl_Spilner — Fri, 01 Nov 2019 05:38:58 GMT

Interesting. I wonder if the application cards will be hard pulls now

Re: Amex Pre-approval Changes?

Anonymous — Fri, 01 Nov 2019 05:48:52 GMT

@Brian_Earl_Spilner wrote:
Interesting. I wonder if the application cards will be hard pulls now

I applied in incognito all the time for the better sub. It looks like that, still SP.

Re: Amex Pre-approval Changes?

simplynoir — Fri, 01 Nov 2019 05:52:34 GMT

I'm seeing the same thing as @FinStar on several cards (Deltas, Green, and Hilton). Unless something changed with that even on a new account page where you have to fill in the information like you were a new customer the SSN being pulled should be enough to triger the SP for the application; some people going incognito to pull the better offers is why some do this voluntairly for instance

Re: Amex Pre-approval Changes?

simplynoir — Fri, 01 Nov 2019 05:53:43 GMT

@Anonymous wrote:
@Brian_Earl_Spilner wrote:
Interesting. I wonder if the application cards will be hard pulls now
I applied in incognito all the time for the better sub. It looks like that, still SP.

Yep, unless you're one of the minor ones who get the oddball HP it should still be a SP regardless

Re: Amex Pre-approval Changes?

Anonymous — Fri, 01 Nov 2019 05:53:53 GMT

@simplynoir wrote:
I'm seeing the same thing as @FinStar on several cards (Deltas, Green, and Hilton). Unless something changed with that even on a new account page where you have to fill in the information like you were a new customer the SSN being pulled should be enough to triger the SP for the application; some people going incognito to pull the better offers is why some do this voluntairly for instance

Yeah my BCP was a SP approval despite being incognito to get a $300 SUB offer.

Re: Amex Pre-approval Changes?

Brian_Earl_Spilner — Fri, 01 Nov 2019 06:01:45 GMT

@Anonymous wrote:
@Brian_Earl_Spilner wrote:
Interesting. I wonder if the application cards will be hard pulls now
I applied in incognito all the time for the better sub. It looks like that, still SP.

Yeah, but this is different. I'm logged in so it knows it's me before I hit apply.

Re: Amex Pre-approval Changes?

wasCB14 — Fri, 01 Nov 2019 06:03:56 GMT

@FinStar wrote:
I don't see any significant changes from my end. Any of the ones that I currently don't have still display as pre-approved. So, to me, no pre-approval changes display ¯\_(ツ)_/¯

Have you closed any Amex revolvers? Or would that be like #8 or #9 for you?

I see Green and the regular Platinum.

Re: Amex Pre-approval Changes?

Brian_Earl_Spilner — Fri, 01 Nov 2019 06:04:48 GMT

@simplynoir wrote:
I'm seeing the same thing as @FinStar on several cards (Deltas, Green, and Hilton). Unless something changed with that even on a new account page where you have to fill in the information like you were a new customer the SSN being pulled should be enough to triger the SP for the application; some people going incognito to pull the better offers is why some do this voluntairly for instance

Not the same. Incognito is you hiding your identity until you hit apply. You have no choice but to fill out application. In this case I'm logged in so they know who I am and have all my info beforehand. Why would I need to fill out an app when other cards don't need that info?

Re: Amex Pre-approval Changes?

FinStar — Fri, 01 Nov 2019 06:08:14 GMT

@wasCB14 wrote:
@FinStar wrote:
I don't see any significant changes from my end. Any of the ones that I currently don't have still display as pre-approved. So, to me, no pre-approval changes display ¯\_(ツ)_/¯

Have you closed any Amex revolvers? Or would that be like #8 or #9 for you?

I see Green and the regular Platinum.

Nope, haven't closed any yet. 10th was my last one. Also pre-approved for Platinum.

Re: Amex Pre-approval Changes?

FinStar — Fri, 01 Nov 2019 06:09:21 GMT

@Brian_Earl_Spilner wrote:
@simplynoir wrote:
I'm seeing the same thing as @FinStar on several cards (Deltas, Green, and Hilton). Unless something changed with that even on a new account page where you have to fill in the information like you were a new customer the SSN being pulled should be enough to triger the SP for the application; some people going incognito to pull the better offers is why some do this voluntairly for instance
Not the same. Incognito is you hiding your identity until you hit apply. You have no choice but to fill out application. In this case I'm logged in so they know who I am and have all my info beforehand. Why would I need to fill out an app when other cards don't need that info?

I think you broke the UI 😁👻

Re: Amex Pre-approval Changes?

simplynoir — Fri, 01 Nov 2019 06:11:56 GMT

@Brian_Earl_Spilner wrote:
@simplynoir wrote:
I'm seeing the same thing as @FinStar on several cards (Deltas, Green, and Hilton). Unless something changed with that even on a new account page where you have to fill in the information like you were a new customer the SSN being pulled should be enough to triger the SP for the application; some people going incognito to pull the better offers is why some do this voluntairly for instance
Not the same. Incognito is you hiding your identity until you hit apply. You have no choice but to fill out application. In this case I'm logged in so they know who I am and have all my info beforehand. Why would I need to fill out an app when other cards don't need that info?

Best guess since I couldn't trigger the same page you got on my end is some kind of glitch that's making you enter your information for the app. Either way they're gonna run your credit and see you're already a customer and not perform the HP most of the time

I'll go through all the card offers on my end and see if any of them are different. Currently on Firefox FYI

Re: Amex Pre-approval Changes?

Brian_Earl_Spilner — Fri, 01 Nov 2019 06:12:29 GMT

@FinStar wrote:
@Brian_Earl_Spilner wrote:
@simplynoir wrote:
I'm seeing the same thing as @FinStar on several cards (Deltas, Green, and Hilton). Unless something changed with that even on a new account page where you have to fill in the information like you were a new customer the SSN being pulled should be enough to triger the SP for the application; some people going incognito to pull the better offers is why some do this voluntairly for instance
Not the same. Incognito is you hiding your identity until you hit apply. You have no choice but to fill out application. In this case I'm logged in so they know who I am and have all my info beforehand. Why would I need to fill out an app when other cards don't need that info?
I think you broke the UI 😁👻

That's what they get for not CLIing or pre-approving me. Grrrrrr.....

I really hope I don't have to wait another year, but I did burn them for $11k....

Re: Amex Pre-approval Changes?

Brian_Earl_Spilner — Fri, 01 Nov 2019 06:13:36 GMT

@simplynoir wrote:
@Brian_Earl_Spilner wrote:
@simplynoir wrote:
I'm seeing the same thing as @FinStar on several cards (Deltas, Green, and Hilton). Unless something changed with that even on a new account page where you have to fill in the information like you were a new customer the SSN being pulled should be enough to triger the SP for the application; some people going incognito to pull the better offers is why some do this voluntairly for instance
Not the same. Incognito is you hiding your identity until you hit apply. You have no choice but to fill out application. In this case I'm logged in so they know who I am and have all my info beforehand. Why would I need to fill out an app when other cards don't need that info?
Best guess since I couldn't trigger the same page you got on my end is some kind of glitch that's making you enter your information for the app. Either way they're gonna run your credit and see you're already a customer and not perform the HP most of the time

I'll go through all the card offers on my end and see if any of them are different. Currently on Firefox FYI

That would be a good datapoint. I'm using up to date chrome mobile in desktop mode.

Re: Amex Pre-approval Changes?

simplynoir — Fri, 01 Nov 2019 06:15:51 GMT

@simplynoir wrote:
@Brian_Earl_Spilner wrote:
@simplynoir wrote:
I'm seeing the same thing as @FinStar on several cards (Deltas, Green, and Hilton). Unless something changed with that even on a new account page where you have to fill in the information like you were a new customer the SSN being pulled should be enough to triger the SP for the application; some people going incognito to pull the better offers is why some do this voluntairly for instance
Not the same. Incognito is you hiding your identity until you hit apply. You have no choice but to fill out application. In this case I'm logged in so they know who I am and have all my info beforehand. Why would I need to fill out an app when other cards don't need that info?
Best guess since I couldn't trigger the same page you got on my end is some kind of glitch that's making you enter your information for the app. Either way they're gonna run your credit and see you're already a customer and not perform the HP most of the time

I'll go through all the card offers on my end and see if any of them are different. Currently on Firefox FYI

Update: all the same for all cards available asking me to input income before submitting app

Edit: on Firefox desktop that is up-to-date I just checked. Checking Chrome in a moment

Re: Amex Pre-approval Changes?

FinStar — Fri, 01 Nov 2019 06:17:29 GMT

I checked both Chrome and Firefox (latest version) and it yields the same results.

Re: Amex Pre-approval Changes?

Brian_Earl_Spilner — Fri, 01 Nov 2019 06:19:59 GMT

Hopefully the day crew can help. Ones with *ahem* less than stellar credit.