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Good morning all,
Everytime I log into the American Express Credit Guide website, I no longer have to imput information. A screen shows up with matched offers automatically. Here is what is said today listed below. Is this a solid offer?
@Anonymous wrote:Good morning all,
Everytime I log into the American Express Credit Guide website, I no longer have to imput information. A screen shows up with matched offers automatically. Here is what is said today listed below. Is this a solid offer?
A prequalification is a strong indication of approval but there is no guarantees as there may be other factors involved.
That in itself is not a solid offer.
Click on the Apply Now link; if it comes back with a page that says "You're pre-approved!" along the top left that is a solid ~90%-ish offer.
If it comes back with "Applying to expand your card membership is easy..." it does not mean that an application would be denied but you did not get a pre-approval.
You can safely click on the Apply Now link; you have to confirm some information and then click on an "Agree & Submit" button to initiate the approval process.
@coldfusion wrote:That in itself is not a solid offer.
Click on the Apply Now link; if it comes back with a page that says "You're pre-approved!" along the top left that is a solid ~90%-ish offer.
If it comes back with "Applying to expand your card membership is easy..." it does not mean that an application would be denied but you did not get a pre-approval.
You can safely click on the Apply Now link; you have to confirm some information and then click on an "Agree & Submit" button to initiate the approval process.
Thanks for the help. Here is what I got
Ah. I misread your original post where you mentioned the Credit Guide site.
To doublecheck, go here:
and see what they prequal you for. If it also returns a Delta Gold prequal and you want to apply pick the link with the better offer and go ahead; but be aware that even with a prequal/preapproval an actual approval is not guaranteed.
Also, if you get the pre-qualify for one co-branded card, like Delta, it also means you're prequalified for the others (Hilton, Marriot, etc). There's a thread in here that talks about it. I got the Delta approval but went with the Hilton.
@coldfusion wrote:Ah. I misread your original post where you mentioned the Credit Guide site.
To doublecheck, go here:
and see what they prequal you for. If it also returns a Delta Gold prequal and you want to apply pick the link with the better offer and go ahead; but be aware that even with a prequal/preapproval an actual approval is not guaranteed.
Thank you I definitely seen where the confusion would be. My bad, thank you for the knowledge.
@FesteringTTT wrote:Also, if you get the pre-qualify for one co-branded card, like Delta, it also means you're prequalified for the others (Hilton, Marriot, etc). There's a thread in here that talks about it. I got the Delta approval but went with the Hilton.
Really, wow that is awesome to know. Hopefully when I app I can choose. Being that I have used the site three times now and did not app. I will wait about 90 days to apply.
Thank you.