topic Re: First PreQualified Amex Offer 😊 in Credit Cards

First PreQualified Amex Offer 😊

Rebuild2019 — Thu, 14 Nov 2019 00:43:47 GMT

I jus had my first prequalified offer from AMEX. Offer is for the Delta Sky (Gold), Hilton Honors Surpass & Hilton Honors Aspire Card. Feels good to finally prequalify.

I didn’t apply. I read on here a couple of days ago from a contributor not to apply if you don’t really want the card. I think that’s good advice so I’m taking it. More interested in cash back for gas, grocery and other.

Feels good to know my rebuild is making progress. If you are just starting out it will get better. Now I have to be patient to get the card I want with a nice starting limit!!

Thanks myFICO community for your good advice! Wow I just turned down a prequalify for AMEX!!!

Re: First PreQualified Amex Offer 😊

Remedios — Thu, 14 Nov 2019 01:03:45 GMT

Good for you!
If you're interested in their core cards, your EX will need go up a little but at least you'll have the card you need, not just an Amex for sake of having an Amex. It will happen.

You'll keep going back though 😂

I kid!

Re: First PreQualified Amex Offer 😊

Rebuild2019 — Thu, 14 Nov 2019 01:07:30 GMT

Thanks @Remedios with you being one of the contributors who’s posts I read.

Yes I want a core card!!! I will be patient and continue paying my bills until they let me in. 😊

Re: First PreQualified Amex Offer 😊

AverageJoesCredit — Thu, 14 Nov 2019 01:07:51 GMT

Thats great! Ive never prequaled with Amex and self control is priceless. Very hard to resist but this will show you you can build your profile with good cards that will fit your needs

Re: First PreQualified Amex Offer 😊

Remedios — Thu, 14 Nov 2019 01:16:58 GMT

@Rebuild2019 wrote:
Thanks @Remedios with you being one of the contributors who’s posts I read.

Yes I want a core card!!! I will be patient and continue paying my bills until they let me in. 😊

Aww, thank you

You're really not that far away. If you have new accounts, you'll gain points as they age (3 and 6 months for some) and keep the utilization low so you're ready when it pops up.

Once you see it, pounce like a tiger!

Re: First PreQualified Amex Offer 😊

Rebuild2019 — Thu, 14 Nov 2019 01:18:40 GMT

Yes @AverageJoesCredit I am learning from the best. All you have to do is read and ask questions when needed.
Finding out things I never knew before thinks to myFICO.

Re: First PreQualified Amex Offer 😊

Rebuild2019 — Thu, 14 Nov 2019 01:23:18 GMT

I got 12 points a few days ago when 2 accounts aged to 6-months on EX. On TU I think it was 24 points. 😳😳

My utilization is at 1% 😂😂😂
Learned that here.

Re: First PreQualified Amex Offer 😊

M_Smart007 — Thu, 14 Nov 2019 02:17:15 GMT

@Rebuild2019 wrote:
I got 12 points a few days ago when 2 accounts aged to 6-months on EX. On TU I think it was 24 points. 😳😳

My utilization is at 1% 😂😂😂
Learned that here.

Hang in there, it will be worth the wait

Re: First PreQualified Amex Offer 😊

Rebuild2019 — Thu, 14 Nov 2019 02:20:52 GMT

Thanks @M_Smart007

Re: First PreQualified Amex Offer 😊

AverageJoesCredit — Thu, 14 Nov 2019 12:04:21 GMT

Its amazing whay myFico forums can do for ya. It can be dangerous as its easy to get swept away in applying and getting those approvals but you either learn the easy way or hard way but do learn. Ive been here over 3 years and i still make mistakes but you know what, all my failures and denials are a good thing. Ive learned now to let my profile breathe and in time be where i want to be. Im inching up on 3 years aaoa and that will be amazing feeling Keep up the positivity and youll be rewarded

Re: First PreQualified Amex Offer 😊

JNA1 — Thu, 14 Nov 2019 10:56:43 GMT

@AverageJoesCredit

You ain’t lying about the self control factor! I have prequels for $15,300 with BBVA, $7500 with Apple, and the SP BB&T cards available to me by the push of the apply button, but I held out and acquired one of my goal cards Monday.

Re: First PreQualified Amex Offer 😊

Anonymous — Fri, 15 Nov 2019 08:32:25 GMT

It is an awesome feeling to get that prequalification, Good on you for holding out. Although the Aspire is a great card if you travel.

Re: First PreQualified Amex Offer 😊

Anonymous — Fri, 15 Nov 2019 11:31:46 GMT

@Remedios wrote:
Good for you!
If you're interested in their core cards, your EX will need go up a little but at least you'll have the card you need, not just an Amex for sake of having an Amex. It will happen.

What is a core Amex card - one that isn'tt co-branded, or does it mean something else?

Re: First PreQualified Amex Offer 😊

Rebuild2019 — Fri, 15 Nov 2019 11:35:23 GMT

Yes. One that isn’t co-branded. Trying to get there @RealityBrites

Re: First PreQualified Amex Offer 😊

Anonymous — Fri, 15 Nov 2019 11:46:33 GMT

Thanks. I agree with holding out for one you can make more use of.