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Amex Prequal Offer Website Question

WannaBcreditNerd
New Contributor

Amex Prequal Offer Website Question

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?

 

 

 

Capture amx 2.png

Rebuild Started: 6/04/2020
Starting Credit 453
No Credit Cards: 6/04/20
Last App: 7/5/2020
3 Credit Cards as of 7/27/2020
Total Credit Limit: $1,200
Fico: 628 1/06/2021
No Hard Pulls as of 1/27/2021
Fico 8: EQ 633, EX 644, TU 634 1/24/2021
Fico 8: EQ 633, EX 644, TU 639 1/28/2021
Vantage AMX; 616 01/28/2021
Credit Score Goal: 720
7 REPLIES 7
silver_idle
Established Contributor

Re: Amex Prequal Offer Website Question


@WannaBcreditNerd 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.

Message 2 of 8
coldfusion
Community Leader
Super Contributor

Re: Amex Prequal Offer Website Question

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. 



(2/2021)
FICO 8 (EX) 812 (TU) 816 (EQ) 804
FICO 9 (EX) 825 (TU) 827 (EQ) 826

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 3 of 8
WannaBcreditNerd
New Contributor

Re: Amex Prequal Offer Website Question


@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

amx not  pre approved.PNG

Rebuild Started: 6/04/2020
Starting Credit 453
No Credit Cards: 6/04/20
Last App: 7/5/2020
3 Credit Cards as of 7/27/2020
Total Credit Limit: $1,200
Fico: 628 1/06/2021
No Hard Pulls as of 1/27/2021
Fico 8: EQ 633, EX 644, TU 634 1/24/2021
Fico 8: EQ 633, EX 644, TU 639 1/28/2021
Vantage AMX; 616 01/28/2021
Credit Score Goal: 720
Message 4 of 8
coldfusion
Community Leader
Super Contributor

Re: Amex Prequal Offer Website Question

Ah.  I misread your original post where you mentioned the Credit Guide site.

 

To doublecheck, go here:

 

https://www.americanexpress.com/us/credit-cards/check-for-offers/?eep=25330&linknav=US-Acq-Shop-Cons...

 

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.



(2/2021)
FICO 8 (EX) 812 (TU) 816 (EQ) 804
FICO 9 (EX) 825 (TU) 827 (EQ) 826

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 5 of 8
FesteringTTT
Valued Member

Re: Amex Prequal Offer Website Question

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.

Message 6 of 8
WannaBcreditNerd
New Contributor

Re: Amex Prequal Offer Website Question


@coldfusion wrote:

Ah.  I misread your original post where you mentioned the Credit Guide site.

 

To doublecheck, go here:

 

https://www.americanexpress.com/us/credit-cards/check-for-offers/?eep=25330&linknav=US-Acq-Shop-Cons...

 

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.

Rebuild Started: 6/04/2020
Starting Credit 453
No Credit Cards: 6/04/20
Last App: 7/5/2020
3 Credit Cards as of 7/27/2020
Total Credit Limit: $1,200
Fico: 628 1/06/2021
No Hard Pulls as of 1/27/2021
Fico 8: EQ 633, EX 644, TU 634 1/24/2021
Fico 8: EQ 633, EX 644, TU 639 1/28/2021
Vantage AMX; 616 01/28/2021
Credit Score Goal: 720
Message 7 of 8
WannaBcreditNerd
New Contributor

Re: Amex Prequal Offer Website Question


@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.

Rebuild Started: 6/04/2020
Starting Credit 453
No Credit Cards: 6/04/20
Last App: 7/5/2020
3 Credit Cards as of 7/27/2020
Total Credit Limit: $1,200
Fico: 628 1/06/2021
No Hard Pulls as of 1/27/2021
Fico 8: EQ 633, EX 644, TU 634 1/24/2021
Fico 8: EQ 633, EX 644, TU 639 1/28/2021
Vantage AMX; 616 01/28/2021
Credit Score Goal: 720
Message 8 of 8
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