Amex Pre-Quals

[Wrigley2172]

I would fill out their prequal and see what comes up. Its a soft pull so no harm to your reports and you can fill it out in incognito mode as well if you dont want amex ads popping up everywhere lol I forgot to and now my facebook/instagram is like hey hey apply you know you wanna

[Anonymous]

Socc, as long that collection says “paid” on your EX report now that they would pull, I think you will be green light to go on the Gold. I had similar scores when applying. Make sure you have a prequal before dipping. And they pulled your credit for FHA already?

[Anonymous]

The PreQual shows me the Gold Card as available.

I also just realized that the collection agency REMOVED my collection from my credit report and thats why my scores jumped ~40 points each in the last 15 days! (~640 to ~680)!

My credit was already pulled for FHA back in March!

[Anonymous]

Hmmm... as long as you are ready for the for AF next credit statement and can make that 2k spend for the 50K points, I don't see why not trying to apply if you really want it. In my personal opinion, I was in maybe a worse position than you and I got an approval. I got accepted with 650 EX FICO and less income. But as always, YMMV. 

I really like mine and was my real first dip into the credit world. I'm still not convinced there is a better earning card on the market. So its gonna be my daily for the forseeable future. 

Do understand that this is a charge card. Its not gonna be a substantial credit building card and prepared to PIF every month.

[Lucifer]

---

@Jnbmom wrote:

Intresting, I have never seen a limit with prequals, if I did and they told me up to 1K as that's all they give me I probably would have declined 😂😂

---

That would be a seriously back handed compliment.    Take a pass on that !!!

[Anonymous]

I got it again last night, checked again this morning and the limits were gone. FICO 8 is 701 as of 05/01. Honestly, it feels like their 'after hours' pre qual for me. 

[Anonymous]

How many times have you checked prequalified? Like a couple months or weeks?

While I have absolutely no data to back this up, it would be interesting to think they have established an internal profile on you.

[Wrigley2172]

They certainly would have for me then lol when I was picking my next card to apply for I was checking atleast 2 times a week to see if id get other cards.

[Anonymous]

I didn’t have this message when I checked on Friday. I would check again but I just put EX back on ice and filling out the form is a pain to temporarily lift it (they’re the only one of the three that doesn’t have a login system). Interesting though. 

[Anonymous]

---

@Meanmchine wrote:

---

@Anonymous wrote:

After the staggering generosity of Discover with my initial SL earlier in the week I'm pretty sure I used up my luck for the year, but I do keep an eye on other pre-quals. 

Has anyone ever seen Amex Prequals list an acutal credit limit? I checked it this morning and they're still listing the Basic Everyday, the BCE, and Gold Delta, but both the Everday and BCE now list "with a credit limit upto 2,000". I checked it a couple of times earlier in the week, but this is the first time I've seen anything like that for any prequal for any lender. 

Glad I didn't pull the trigger earlier in the week. 

Also, it's the only pre-qual application that includes the option to include non-taxable income. 

---

That sounds more like Credit One or First Premire than Amex

---

I was just going to say the same thing. You would think the sharks are the only ones that are advertising an amount, as if you're desperate for a CL.