Amex member prequals - any chance of getting dinged?

[CreditInspired]

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@8bitmachinegun wrote:

I know the subject is rather vague, but let me try to expand on it a bit. I recently got approved (quite unexpectedly) for an AMEX BCE card with an $8K initial CL. I know that AMEX allows current cardholders to check for preapprovals with a SP. Since I'm seeking credit (house repairs, ugh), I have a number of HPs on my report already, which has lowered my Experian score by about 15 points (to 685.) 

If I run the SP on AMEX's preapproval, is there any chance they'll see the lower score and revoke my BCE or reduce my CL?

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Hi OP, keep in mind that AmX does regular SP reviews of your CRs. So, they already know what's going on in your CR whether you do a prequal/preapproval or not. 

[M_Smart007]

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@CreditInspired wrote:

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@8bitmachinegun wrote:

I know the subject is rather vague, but let me try to expand on it a bit. I recently got approved (quite unexpectedly) for an AMEX BCE card with an $8K initial CL. I know that AMEX allows current cardholders to check for preapprovals with a SP. Since I'm seeking credit (house repairs, ugh), I have a number of HPs on my report already, which has lowered my Experian score by about 15 points (to 685.) 

If I run the SP on AMEX's preapproval, is there any chance they'll see the lower score and revoke my BCE or reduce my CL?

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Hi OP, keep in mind that AmX does regular SP reviews of your CRs. So, they already know what's going on in your CR whether you do a prequal/preapproval or not. 

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+1

Amex probably knows more about us, than we do. and I do see those soft pulls on EX.   ..They are watching!