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Amex member prequals - any chance of getting dinged?

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Re: Amex member prequals - any chance of getting dinged?


@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?


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. 

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

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Message 11 of 12
Super Contributor

Re: Amex member prequals - any chance of getting dinged?


@CreditInspired wrote:

@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?


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. 


+1

 

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

 

Message 12 of 12
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