AMEX EMAIL OFFERS

Anonymous · ‎12-04-2014

If you get an email from AMEX about one of their cards, does that mean that you are prequalified for the card or is it just and advertisement? I just received an email to apply for the AMEX BCE card and I just applied for it about 2 weeks ago and was declined.

uswala · ‎12-04-2014

@Anonymous wrote:
If you get an email from AMEX about one of their cards, does that mean that you are prequalified for the card or is it just and advertisement? I just received an email to apply for the AMEX BCE card and I just applied for it about 2 weeks ago and was declined.

I think its plain advertisement.

CreditDunce · ‎12-04-2014

You can always try their Pre-Qual site. When I use IE's InPrivate mode, there is a tab at the top that says "Check for Pre-Qualified Offers". I have an Amex card so they don't show the link unless they don't recognize my computer.

The Card Offers pre-qual site also showed me Amex cards before I applied for an Amex card. Credit Karma even gave me some nice pre-qual offers for Amex cards. Best APR, etc. But it was the week after I applied for my Amex card.

CreditCuriosity · ‎12-04-2014

Anonymous · ‎12-05-2014

I got approved for a BCE today, 4k limit.
First CC ever was discover from March 2014, then a Capone QS in October, and a couple of additional inquires from chase and citi.
I cold applied, had no previous mail nor preapprovals from the website.
Hope it helps you

CreditCuriosity · ‎12-05-2014

AMEX loves thin credit files with no baddies vs thick ones with a few baddies... If you have a thin file as the poster right above me and another CC w/good standing you will get in easily.

slund5499 · ‎01-29-2015

I have had no luck with AMEX. Apply at least 3 times a year and still get denied. Just think that they want to see a certain FICO score.

In the garden since 02/1/23. Newest Account AU Discover It 10K
02/23 Scores; EQ 608 TU 642 EX 575 CCU: 20%, Inq. 2, 1, 2 Collections $39K
Lending Club: newest account 2/3/23. Old Fico 1/17 EQ 530 TU 542 EX 512

Anonymous · ‎01-29-2015

@slund5499 wrote:
I have had no luck with AMEX. Apply at least 3 times a year and still get denied. Just think that they want to see a certain FICO score.

My friend i got denied like 4 times within a year and a half becuse i had a collection. the last time i applied i had a collection and within 3 weeks it feel off i recon and was approved for 2 charge cards.

dont give up