cancel
Showing results for 
Search instead for 
Did you mean: 

AMEX PreQuals

Highlighted
Regular Contributor

AMEX PreQuals

Ok so just for entertainment purposes I checked the Amex pre qual page. Side Note: I did check it a few weeks ago and only showed the Delta Gold. Now its showing the Delta Gold and the Green and Gold Cards. Just was wondering if the Gold Card was even a possibility for someone at my level. I thought you needed to be in the excellent credit range? 

 

I'm not getting it now since I was just approved for the Discover IT CB. I want to take full advantage of the CB match. I was just curious if that was in the realm of possibilities for someone at my level. My siggy shows what I have. AAoA is only 3 months according to CK. 




Starting FICO-8 as of February, 2019:

Current FICO-8 as of August, 2020:

Message 1 of 9
8 REPLIES 8
Highlighted
Established Contributor

Re: AMEX PreQuals

AMEX charge cards (Green, Gold, and Platinum) have proven to have more relaxed approval standards than their credit cards.

Charge cards have lower risk for AMEX. They can adjust your spending limit up or down based on any number of factors. They can also approve or deny a transaction based on the same factors.
Personal Credit -
AMEX: Platinum, Gold, Blue Cash Preferred, Schwab Investor
PNC: Cash Rewards, Points
NFCU: Flaghship Rewards, Cash Rewards, More Rewards, CLOC
PSECU: Founders
BB&T: Spectrum Cash Rewards
CapOne: Quicksilver
Discover: IT Chrome, IT
Synchrony: PayPal 2%, PayPal Credit
Barclays: Uber
PenFed: Power Cash Rewards, Platinum Rewards
Alliant: Visa Signature
Store Cards: Target, Macy’s
AU Cards: Citi Rewards+

Business Credit-
AMEX: Delta Gold, Amazon Prime, Simply Cash Plus
PNC: Visa Business
Message 2 of 9
Highlighted
Community Leader
Senior Contributor

Re: AMEX PreQuals

Honestly AMEX once upon a time ago used to be geared more towards the "excellent" credit group, but as of the last few years not so much.

EXP 758 TU 783 EQ 729
Message 3 of 9
Highlighted
Regular Contributor

Re: AMEX PreQuals


@CreditSweeper wrote:
AMEX charge cards (Green, Gold, and Platinum) have proven to have more relaxed approval standards than their credit cards.

Charge cards have lower risk for AMEX. They can adjust your spending limit up or down based on any number of factors. They can also approve or deny a transaction based on the same factors.

Good to know. My future goals consist of building a solid relationship with Amex. Maybe get that Platinum Card to feel extra boujee at the Starbucks counter. Its a nice feeling that those dreams may not be as far out as I thought. Back in 2009 I had a Blue card, I closed the account but it was in good standings. Hope they remember me when I do apply later down the road.




Starting FICO-8 as of February, 2019:

Current FICO-8 as of August, 2020:

Message 4 of 9
Highlighted
Community Leader
Senior Contributor

Re: AMEX PreQuals

They’ll not only remember you, when they issue your new card, your “member since” date will reflect your past membership.


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | PenFed PCR | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





TCL $95,400 | Agg. Util under 5%
Message 5 of 9
Highlighted
Valued Contributor

Re: AMEX PreQuals

Definitely is possible with your scores. AmEx used to be at one point for very good/excellent credit holders but have definitely loosened up since. Probably to expand their customer base. Also - OP - I wouldn't trust CK for anything other then real time monitoring. I believe CK doesn't calculate for closed accounts either so your AAoA may be longer then that.


Scores - All bureaus 756 +
TCL - Est. $275K
Message 6 of 9
Highlighted
Community Leader
Senior Contributor

Re: AMEX PreQuals

^^^ correct re account age, CK only factors open accounts. CK says my AAoA is 1yr 9mo. Experian says 3yrs 6mos.


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | PenFed PCR | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





TCL $95,400 | Agg. Util under 5%
Message 7 of 9
Highlighted
New Contributor

Re: AMEX PreQuals


@HybridGunz wrote:


Maybe get that Platinum Card to feel extra boujee at the Starbucks counter.


Is it really worth $550/yr to feel extra boujee?  Smiley Happy

Message 8 of 9
Highlighted
Regular Contributor

Re: AMEX PreQuals

Absolutely not!!! Lol



Starting FICO-8 as of February, 2019:

Current FICO-8 as of August, 2020:

Message 9 of 9
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.