topic Amex pre approval and app method question in Credit Cards

Amex pre approval and app method question

NoMoreDebt — Wed, 17 May 2023 18:24:32 GMT

Along with the BBP my next try from Amex was going to be the Green Card. I'm noticing now I'm getting the pre approved verbiage when I click on that card from my account page when logged in.

If I were to apply for this card while not logged in so as to get the better 45'000 points SUB would that make the chances of them doing a hard pull more so than if I do it for the standard offer through my account page logged in? Would it also do the same for any of their cards if one were to apply outside of the account page if you are already a card member?

Re: Amex pre approval and app method question

UncleB — Sat, 20 May 2023 19:54:09 GMT

@NoMoreDebt wrote:
Along with the BBP my next try from Amex was going to be the Green Card. I'm noticing now I'm getting the pre approved verbiage when I click on that card from my account page when logged in.

If I were to apply for this card while not logged in so as to get the better 45'000 points SUB would that make the chances of them doing a hard pull more so than if I do it for the standard offer through my account page logged in? Would it also do the same for any of their cards if one were to apply outside of the account page if you are already a card member?

Nothing is ever 'guaranteed' when it comes to HPs and Amex apps... always be prepared for an HP if you submit a new app.

That said, I've applied numerous times while not logged in (to get a better bonus offer) and so far I've yet to have them do a HP. My most recent experience with this was just last month when I picked up a BCE using the Resy offer. There was no HP, and they even put my correct "Member Since" date on the new card, which was surprising (in the past, the first card would have the current year, with any replacement cards showing the 'correct' year).

This is just my 2¢ and experience... if you look around the forums you'll find reports where others received an HP, occasionally even while logged in. ¯\_(ツ)_/¯

Re: Amex pre approval and app method question

NoMoreDebt — Sun, 21 May 2023 00:13:15 GMT

@UncleB wrote:
@NoMoreDebt wrote:
Along with the BBP my next try from Amex was going to be the Green Card. I'm noticing now I'm getting the pre approved verbiage when I click on that card from my account page when logged in.

If I were to apply for this card while not logged in so as to get the better 45'000 points SUB would that make the chances of them doing a hard pull more so than if I do it for the standard offer through my account page logged in? Would it also do the same for any of their cards if one were to apply outside of the account page if you are already a card member?
Nothing is ever 'guaranteed' when it comes to HPs and Amex apps... always be prepared for an HP if you submit a new app.

That said, I've applied numerous times while not logged in (to get a better bonus offer) and so far I've yet to have them do a HP. My most recent experience with this was just last month when I picked up a BCE using the Resy offer. There was no HP, and they even put my correct "Member Since" date on the new card, which was surprising (in the past, the first card would have the current year, with any replacement cards showing the 'correct' year).

This is just my 2¢ and experience... if you look around the forums you'll find reports where others received an HP, occasionally even while logged in. ¯\_(ツ)_/¯

I gave it a try and did not get a hard pull but also did not get a SUB as they still remembered I had the Green Card previously. I was also able to add the Blue Business Plus card right after also with no HP