AMEX Pre-Approval

[Anonymous]

Greetings team -

AMEX customer for 13 years

Delta Platinum, Clear, and a business SimplyCash Plus

Just closed a One card last week.

Looking at some of the cards, they all state "you are pre-approved, Get a decision in as little as 30 seconds" but they all have an interest range, not a firm interest rate.

I looked at the Marriott Bonvoy, Hilton Honors, and the Blue Cash Preferred - all the same, a range, not a firm number.

Preapproved for the Platinum, there is a firm rate for cash advances for it.

Just curious if a range is normal when one gets the pre-approved message or if I need to wait a bit to see a firm interest rate.

Thanks much.

[Jnbmom]

In my experience if it says "you are preapproved" it is usually pretty solid, if it asks you to "expand your membership" then no.

[Anonymous]

Your scores are great, UTI is in check, 13 years of history, and a preapproval.  I would be super surprised if you were declined for anything that they have.  If something interests you, then I would say apply.

[Anonymous]

I think you are prime for whatever card you like from them. Its most likely going to be an SP too.

[MakeItAMudLight]

They still show the APR range even when you're preapproved.  You should be golden for whatever card you like!

[Anonymous]

I agree with the poster above. If it says "you are preapproved" you're most likely to be approved but if it says "expand your membership" then you're most likely gonna get a denial.

[Anonymous]

It is normal to see a range. Pre-approved language is a firm offer of credit. You are good to go if you'd like to apply!

[Anonymous]

Not sure about that "Pre Approval" thing on AMEX.   I got approved for the ED Blue preferred card and it didn't say I was approved for anything when I logged onto Amex, entered my info and hit the submit button.......nothing.   I said what the hell....and completed the application anyhow and got approved for that card.   So just because it doesn't give you a list of cards you're pre approved for that isn't set in stone and I'm proof of that.

[Anonymous]

Correct. Seeing a preapproval means you’re good to go. Not seeing a preapprovals does NOT mean you’ll be denied, it just means you take your chances with the application.

[TheFIGuy]

I'm still awaiting a "pre-approval" offer when logged in. I select "Apply Now" on every card so far and I keep getting the dreaded "Expand your membership". 

AMEX Gold Card Opened 02/23/19