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Accuracy of AMEX Pre-Approvals Through Their Website

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Established Member

Accuracy of AMEX Pre-Approvals Through Their Website

How accurate are the Pre-Qualified offers on the American Express website? My offers seem to be an entire range from the Amex family (Revlovers, Charge Cards) even though my EX score (EX 630)  would not support the application itself. 

 

 

Amex.PNG


Capital One Spark $1,600, Barclays Rewards $3,000,Amex Green NPSL, Amex Delta Gold $1,000, Amazon Store Card $1,100, Walmart Store Card $2500, QVC $2000, Khols $700

Starting 2/20 EQU-540 TU-588 EXP-530
Current 6/19 EQ-656 TU-645 EX-636
Message 1 of 4
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Valued Contributor

Re: Accuracy of AMEX Pre-Approvals Through Their Website

That doesn't look the same as when I have had prequalified offers from them.  Given your current credit I would be surprised if they would offer you those cards but I could be wrong.  If your ok with the HP it doesnt hurt to try.  Let us know what you decide to do and what happens.

Message 2 of 4
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Established Contributor

Re: Accuracy of AMEX Pre-Approvals Through Their Website

no pre-quals are 100% accurate, but I have seen alot of people start out with the gold amex delta card or the blue cash everyday (not preferred) on these forums.  again, even with the more solid pre qual sites like chase and cap one, there's always a chance they will shoot you down. 

Message 3 of 4
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Valued Contributor

Re: Accuracy of AMEX Pre-Approvals Through Their Website

I agree, none of these are automatic or accurate. Your scores are on the edge, but I have seen some approvals with a score like that on less desirable cards.
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 4 of 4
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