Welcome to the forums! The marketing you are receiving through both CK, and EX (credit works) are just that-marketing only. They are in absolutely no way firm offers of credit, nor does having a card that you are after not show up as pre-approved on those sites a sign you would not be approved. I would suggest starting out on the AMEX website. They have a pre-approval option that is typically reliable. Try running your info through there and see how it turns out. With a 693 EX FICO 8 score, you are on the edge of a BCP approval, but it is most definitely a possibility. Give that wheel a spin and report back with what they offer you. Do you have any negatives on your reports? If so what are they?
I think you should take a look at the pre-approval tool on the Amex website. It's in the "Cards" section. From my experience it's been accurate in predicting my application outcome. It's a soft inquiry so you won't be penalized to see if you have any pre-approvals. Best wishes to you when you check and if you end up applying! The BCP is an amazing card!
@User1117329 wrote:THANK YOU ALL for the quick responses!!
And answering questions asked about my profile:
1. Fico EX score - didn't see it one in Experian.
2. One negative still showing is a charge off paid in full (40 days back) to NFCU (another story, for another day)
3. AmEx website shows prequalify offers for the following 3 cards
1. Delta SkyMiles® Gold American Express Card
2. Hilton Honors Card
3. Delta SkyMiles® Reserve American Express Card
Hmm, the plot thickens. Again, I am most intrigued by the cash back of the BCP as travel is not high on my priority list, but I don't mind lying in wait for the negative to clear Experian. Or does the three prequals put me inline with BCP??
This doesn't necessarily mean you wouldn't be approved for the BCP, but unfortunately it points more towards a no than a yes. The underwriting standards for AMEX cards are generally thought to be broken down into three categories. The first, and easiest to obtain are their co-branded cards, such as Delta and Hilton families of cards. The second category, and middle of the road as far as profile scrutiny goes are their charge cards, Green, Gold, and Platinum. The most difficult UW standards are for their core cards, BCP, BCE, CM, ED, EDP. The fact that they are only showing pre-approval for their co-branded cards is not the best sign in the world. I would suspect that CO is playing a role, that is why I asked about it. AMEX likes clean files. If they were to throw you an approval now, it would very likely be for $1,000, and they would probably not grant you a CLI until that CO is completely clear from your reports.
