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Amex Green Card Pre-Qualify!

Valued Contributor

Re: Amex Green Card Pre-Qualify!

Just checked again, and still no offers from Amex. I've been doing this at least once a month since early this year and no joy yet even though my EX FICO 8 is now close to 700 (697). I wonder what's holding me back since I've never had a card with them. Oh well - I'll try again later.

Ch 7 BK discharged 12/14, well along in rebuilding credit. FICO 6/26/18:TU 665/EX 697/EQ 685 FICO 8 or 682 FICO 9 (Penfed 5/18), VS 3.0 7/13/18: TU 707/EX 703/EQ 701. $81,100 revolving credit as of 7/11/18; $4800 Discover It, $5000 Walmart Store Card, $5500 Discover It #2 (new 3/12/18), $6000 Paypal 2% CB MC, $6000 Amazon Prime Store Card, $7000 Apple FCU Platinum Visa, $7000 Penfed Power Cash Rewards Visa, $8800 Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening (except CLI's) from 7/3/18 to at least 1/3/18. 22 HP inqs total as of 7/3/18: 9 TU, 9 EQ, 4 EX (about half over 1 year old).
Message 21 of 44
Senior Contributor

Re: Amex Green Card Pre-Qualify!


joe8185 wrote:

Just checked again, and still no offers from Amex. I've been doing this at least once a month since early this year and no joy yet even though my EX FICO 8 is now close to 700 (697). I wonder what's holding me back since I've never had a card with them. Oh well - I'll try again later.


I never had a single offer from Amex.  When FICO8 EX was 710, still no offers.  So I cold apped last month due to encouragement from an FB credit group whose members I trust (real names, real faces, etc) and was instantly approved for $2000 on BCP, which I believe has slightly tougher underwriting standards than some of the non-AF cards.

 

Just because you don't see offers doesn't mean you'll get denied.  They pulled EX which is my middle score but no derogatories on it at all.  Just a lot of new accounts, inquiries, low AoOA, low AAoA.

Message 22 of 44
Valued Contributor

Re: Amex Green Card Pre-Qualify!


ABCD2199 wrote:

joe8185 wrote:

Just checked again, and still no offers from Amex. I've been doing this at least once a month since early this year and no joy yet even though my EX FICO 8 is now close to 700 (697). I wonder what's holding me back since I've never had a card with them. Oh well - I'll try again later.


I never had a single offer from Amex.  When FICO8 EX was 710, still no offers.  So I cold apped last month due to encouragement from an FB credit group whose members I trust (real names, real faces, etc) and was instantly approved for $2000 on BCP, which I believe has slightly tougher underwriting standards than some of the non-AF cards.

 

Just because you don't see offers doesn't mean you'll get denied.  They pulled EX which is my middle score but no derogatories on it at all.  Just a lot of new accounts, inquiries, low AoOA, low AAoA.


Noted. However, there IS that 2014 Ch7 BK, so...

Ch 7 BK discharged 12/14, well along in rebuilding credit. FICO 6/26/18:TU 665/EX 697/EQ 685 FICO 8 or 682 FICO 9 (Penfed 5/18), VS 3.0 7/13/18: TU 707/EX 703/EQ 701. $81,100 revolving credit as of 7/11/18; $4800 Discover It, $5000 Walmart Store Card, $5500 Discover It #2 (new 3/12/18), $6000 Paypal 2% CB MC, $6000 Amazon Prime Store Card, $7000 Apple FCU Platinum Visa, $7000 Penfed Power Cash Rewards Visa, $8800 Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening (except CLI's) from 7/3/18 to at least 1/3/18. 22 HP inqs total as of 7/3/18: 9 TU, 9 EQ, 4 EX (about half over 1 year old).
Message 23 of 44
Established Contributor

Re: Amex Green Card Pre-Qualify!

Amex doesn’t seem to be inquiry shy.
I had 9 when I app’d for the PRG.

From my experience and reading. Amex prequalified is very accurate.
Wasn’t prequalified for the BCE or ED. Was declined for those.

Showed prequalified for Delta and PRG.
Was approved for those.




FICO 8 scores 6/2018
EX-755
TU-690
EQ-699
Message 24 of 44
Established Contributor

Re: Amex Green Card Pre-Qualify!

OP, if you want the card and you’ve been preapproved. I’d say your going to get the card.




FICO 8 scores 6/2018
EX-755
TU-690
EQ-699
Message 25 of 44
Valued Contributor

Re: Amex Green Card Pre-Qualify!


joe8185 wrote:

Just checked again, and still no offers from Amex. I've been doing this at least once a month since early this year and no joy yet even though my EX FICO 8 is now close to 700 (697). I wonder what's holding me back since I've never had a card with them. Oh well - I'll try again later.


It is the bk.  I know of 2 that were approved with bk under 5 years and the specultion is 1) the bk did NOT show up on credit report 2) they did NOT burn Amex in bk.   Normally it is a long wait for Amex if you have a bk. Sorry. 

Message 26 of 44
Highlighted
Frequent Contributor

Re: Amex Green Card Pre-Qualify!

Thanks @shadowfactor! I just might!

Message 27 of 44
Established Contributor

Re: Amex Green Card Pre-Qualify!

@ABCD2199

Yes, in my experience AMEX hides some cards from view.  Like you, until recently I was only preapproved for credit cards but got they "other statement" for charge cards.  Anyway, I applied for the PRG on 11/27 and was denied.  Since then the PRG does not appear in my list of cards.  When I'm not logged it I can see all 19 cards offered by Amex.  When I'm logged in I can only see 13 cards (click Menu/Cards/View All Personal Charge & Credit Cards) Of those 13, cards only one, the Green Card, is a charge card.  But prior to 11/27, 14 cards including the PRG were viewable.  So I'm waiting for 12/27 to see if the PRG reappears and validates the observation that Amex hides some cards.

 

Edit:  When I copy the PRG link from incognito mode to my signed-in account I get the following:

 

Screen Shot 2017-12-07 at 12.47.08 PM.png

 






Message 28 of 44
Frequent Contributor

Re: Amex Green Card Pre-Qualify!

Well, I pulled the trigger and it was declined!

My reports have only gotten stronger over the past months with EX being my strongest report at 664. Util is at 1%

 

 

Message 29 of 44
Frequent Contributor

Re: Amex Green Card Pre-Qualify!

Now here is the strange thing. I received the email saying they finished processing my application and to check the status "click here". So I did, and it doesn't show up! My other apps for the BCE that were all declined over the last months do show up. But not this one.

Should I call?

Message 30 of 44