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Amex Welcome Offer Special Offer - Prequal or denial?

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Amex Welcome Offer Special Offer - Prequal or denial?

Hi, advice needed. I am 2 mths in with my Amex Delta. Whenever I’m in the app and check prequals, it either says “expanding membership is easy” or that it found no offers. But today after I closed the “sorry no offers” pop up, I saw 3 “welcome offers” for cash magnet, gold and platinum. They are all labeled “Special Offer for You”. Is this a prequal or will I risk being denied if I app for it? Also, as a current Amex person, would it be SP? I searched the site and didn’t see any posts that answered this. Thank you! My F8 scores are ~705 currently (paying down high util of 36% to 29% to boost score a bit more this week )
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Established Contributor

Re: Amex Welcome Offer Special Offer - Prequal or denial?

They are not prequalifications (and, prequalifications are not preapprovals, and preapprovals are not approvals), so you do risk being rejected for them. However, going by your scores (only info you provided), you should have a good chance for those cards. No guarantee (I have been turned down by Amex multiple times with Experian well over 700, it depends on overall profile). Good luck!



But, I wouldn't actually qualify for a lot of stuff right now. Everything listed is new to my profile since April 2019, except the Exxon card. The AU card hasn't reached TU, so no FICO score on TU yet. I have a ton of hard inquiries March-July 2019. No derogs. Numbers shown are FICO 8, but other FICO variants can be a lot different (for example, Experian Bankcard 2 is 642).
Keepers:

Will be closed by March 2020:

Authorized user / Corporate

Closed but still on reports:

Short-term goal: My stuff is in too much of a state of flux to have one that matters ...
Long-term goal: Legit, meaningful 770s across the board.
Message 2 of 4
Valued Contributor

Re: Amex Welcome Offer Special Offer - Prequal or denial?


@MusicLovah7 wrote:
Hi, advice needed. I am 2 mths in with my Amex Delta. Whenever I’m in the app and check prequals, it either says “expanding membership is easy” or that it found no offers. But today after I closed the “sorry no offers” pop up, I saw 3 “welcome offers” for cash magnet, gold and platinum. They are all labeled “Special Offer for You”. Is this a prequal or will I risk being denied if I app for it? Also, as a current Amex person, would it be SP? I searched the site and didn’t see any posts that answered this. Thank you! My F8 scores are ~705 currently (paying down high util of 36% to 29% to boost score a bit more this week )

I'm going to assume this is your first or only AMEX card at the moment. As such, you are a relatively new cardmember and should wait until AMEX is soft pulling your EX score consistently and showing it in your online account which is roughly 60 - 90 days from first application. If you hold off until then, you will begin to see pre-approvals and most likely be soft pulled for subsequent approvals.

 

Patience, young Padawan.

Message 3 of 4
Valued Contributor

Re: Amex Welcome Offer Special Offer - Prequal or denial?

^^^ this. Go to View All Cards and click on Apply Now for any you’re interested in. If it says “you are preapproved” you’re in good shape. If it says “expanding your membership...” hold off.


Rose Gold/BCP/Delta Gold/Hilton Surpass/Hilton Honors | IT | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Kohl’s

Heir apparent to the SJ Special (finally got a Disco CLI of $300)

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
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