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Amex Pre-approval questions

michaels88369
Frequent Contributor

Amex Pre-approval questions

If you have an Amex Platinum card already how do you check for new pre-approvals? I went on the site to check and it caused me to log in and a few cards show up under recommended cards. Pretty much everything is listed but doesn't actually say "pre-approved". I had NPSL on my Platinum but I got to 3k and then things started getting denied. I called in and they told me my internal limit was indeed 3k. Its been 1 month since having the card and ive got a $0 balance and already pushed though 6k in spending but pay off once a week. I called a few mins ago and they let me know my internal limit is now 18k so I'm very pleased.

 

How do I check for actual approvals without having to physically apply?

Credit conscience!
Message 1 of 5
4 REPLIES 4
Meanmchine
Super Contributor

Re: Amex Pre-approval questions

The only way to know for sure is to actully apply


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 2 of 5
ccquest
Established Contributor

Re: Amex Pre-approval questions

Only hint without actually submitting, it by opening the apply page for each one you want. If it says you're pre-approved, that's good odds. If it says expanding your membership is easy, not good odds.

Neither is guaranteed though.
as of 4/1/21
Current Cards:
Message 3 of 5
BmoreBull
Established Contributor

Re: Amex Pre-approval questions

Somewhat off topic (apologies op), I've always heard it said around here that the charge and cobranded cards were the easiest to qualify for. I did the pre approval recently and I qualify  for all the charge cards and all of the cobranded cards. No revolvers. So I guess there's some truth to that. 



Starting Fico Scores:November 2019

Current Fico Scores: January 6, 2021
Goal Scores: 700 across all three
Message 4 of 5
Ficoproblems247
Valued Contributor

Re: Amex Pre-approval questions


@BmoreBull wrote:

Somewhat off topic (apologies op), I've always heard it said around here that the charge and cobranded cards were the easiest to qualify for. I did the pre approval recently and I qualify  for all the charge cards and all of the cobranded cards. No revolvers. So I guess there's some truth to that. 


Definitely truth. When I started with them a year ago when my scores were right on the cusp of even being able to get a card, I used to login and click each card to check for preapprovals quite frequently. It would always come in 3 groups: the co-braded ones first, then the charge cards, finally core cards last. If I was preapproved for 1 cobrand card, it was the same for all of them, same with the other categories. If I was preapproved for a charge card, they were all good to go, along with the co-branded cards, but not the core cards. When I was preapproved for a core card, they were all good to go across the whole board. It fluctuated back and forth quite a bit until my scores improved and I built more history with them. @michaels88369 when you're logged in and click "apply now" on any of the cards it will use a combination of your most recent internal SP from EX, and your history with AMEX to determine if they want to dish out another card. @ccquest stated which verbaige is which for that process. 


FICO 8: June '21 EX 751 EQ 746 TU 744
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