AMEX Approval

[LakeLife]

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@Baphometsangel wrote:

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@Anonymous wrote:

Have you checked if you're pre approved?

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I just want to thank HybridGunz & @RichardJ for suggesting pre-approval options. I didn't realize this was even possible with AMEX. I was literally looking for a new travel card, as my wife and I are going on a trip to Europe and I want to take advantage of some travel points / rewards and came across this. 

So my story - I have a 650 ish credit score across all 3 CBs, my current credit utilization is about 25% (about 9k of 35k). Recently in November, I got one of those pre-approved Chase Sapphire Preferred offers in my Chase account, took a chance off the suggetions on these forums and got approved. 

Last night, figured let's try this pre-approval thing with ALL the card companies and see what's available to me. Lo and behold, AMEX Gold popped up for me on their page, I couldn't believe it. Sure enough gave it a go and got approved immediately. I know there isn't really a "spending limit" but they have a little feature on there to see if you would get approved for a large purchase - I plugged in 9k and was approved. Very cool. I just gotta say, to the OP - you never know what can happen man. I never in my wildest dreams thought I'd have a CSP and much less an AMEX Gold and to the community here, thank you for being so darned helpful. Not sure what I would do without these forums. 

In 2 years I am going for the Sapphire Reserve. Screw it, I want that puppy and will continue to clean up my credit. 

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Congrats, and two years is a good waiting period.  I'm holding out for two years for Amex Bonvoy for a couple of reasons.  One, I'm gardening, and two I won't qualify for the SUB until I've had my new Chase Bonvoy for two years.  BTW, I think you meant RobertJ, but the funny thing is my brother's name is Richard.    

[Brian_Earl_Spilner]

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@Anonymous wrote:

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@LakeLife wrote:

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@Anonymous wrote:

Have you checked if you're pre approved?

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Definitely do this first.  No HP required as it only uses a SP.  Good luck OP.

Amex Check for Offers

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This statement regarding no hard pull is inaccurate especially if this is your first Amex card and not guaranteed if you opt to apply for an additional Amex. Chances of a SP are greater after your first Amex card.

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There's no HP to try for pre-approval. It even says so.

[Dilbert934]

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@Baphometsangel wrote:

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I know there isn't really a "spending limit" but they have a little feature on there to see if you would get approved for a large purchase - I plugged in 9k and was approved. Very cool. 

Be careful using that.  Too many clicks on it with large amounts and you could trigger a financial review, especially since you are a VERY new cardmember.

[BAB_Bryan]

I was out of the country on business for a week so I was delayed in responding.  I did the pre-approcal and got "we could not find Pre-Qualified Offers for you at this time." from Amex.  It shows the Gold, Amex Cash and Amex everyday as options I might like.  I dont want the hit if i have no chance as that will drag me a few points at least.  Thoughts?

[BAB_Bryan]

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My util is 4% - I work hard to manage that to as low as possible.  2 are 0% but all are below 9%.  I have lates - Last CC late was 9/17 and last late of any kind was 12/17.  I have two collections LVNV I have been trying to get off - they will not PFD.  I have two old (4 and 6 year) negatives.

[BAB_Bryan]

What was your Experian at the time - I read they pull Experian FICO 8.  I dont mind the low limit - I can prove it up over 6 months and pay mid month and all that to increase it.  I am just looking for a card I dont have to pay off before the statement posts to prevent score drops.  I pay my discover the day before it is due to get it to 1%.  Thoughts?

[Anonymous]

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@Anonymous wrote:

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@LakeLife wrote:

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@Anonymous wrote:

Have you checked if you're pre approved?

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Definitely do this first.  No HP required as it only uses a SP.  Good luck OP.

Amex Check for Offers

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This statement regarding no hard pull is inaccurate especially if this is your first Amex card and not guaranteed if you opt to apply for an additional Amex. Chances of a SP are greater after your first Amex card.

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This was bugging me and it has already been addressed but couldnt help myself. I'm guilty of "half reading" posts and responding with the wrong information. 

@doinit1 - A preapproval or prequalify via the Amex website and even using the link in the above comment will NOT ever be a hardpull. It explicitly states this next to the little checkbox at the bottom right before you submit the page. It is not a hardpull and it is not a credit card application and will not effect your credit score. 

If it were a hardpull I would be laying low in the 400's as I check weekly for new offers. 

Cheers

[Lucifer]

Based on the info given.....

I would wait a while more.

That said, really nice improvement over the last year.  Keep up the good file building !  You'll get there.

[BAB_Bryan]

My EX FICO 8 is now 672 and EX FICO 8 Bank Card is 674.  This is what i hear AMEX pulls.  I got a "CONGRATULATIONS" with a AMEX Delta Skymiles CC offer from AMEX.  What is your experience with applying after a "CONGRATULATIONS" message from the pre-qual site.  I prefer the green\gold card as I would like to switch to it for work travel and the balance owed does not count toward your % utilization.

Thoughts?