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Amex pre-approval but denied.

Valued Member

Amex pre-approval but denied.

Wondering if anyone has went through the pre-approval Amex but denied.  I was pre-appoved for the ED, BCE and BCP.  After going through the process I was denied for the BCE card. My EX is 655.  No collections but was late on my BofA card three months in a row in 2015  Has this happened to anyone else? 


Navy Amex 20k
Navy Cash Rewards 20k
Navy Platinum 15k
Discover It 10k
Citibank Preferred 10k
Penfed 10k
USAA 101st Airborne 6k
USAA Amex Rewards 2k
Amex BCE 1k


Message 1 of 8
7 REPLIES
Frequent Contributor

Re: Amex pre-approval but denied.

hm thats weird ive read that amex preapprovals are pretty solid what reason did they give for the denial? if you dont know check the app here

 

www262.americanexpress.com/eaol/welcome.do




Message 2 of 8
Frequent Contributor

Re: Amex pre-approval but denied.

It’s happened to me twice...but I’m on the blacklist due to burning Amex in BK. They’ve given me pre-quals twice...getting my hopes up.

Your score could be what caused the decline. They could have based the pre-qual on an earlier score.
RBFCU Premier $25K, Sam’s Club MC $25K, Cap1 Venture $20K, Employer CU LOC $20K, Navy GoRewards $18K, PenFed Power Cash $10K, PenFed PLOC $10k, Navy Platinum $5.7K, SMG $5.5K, PenFed Promise $2.5K, Total Rewards $3K, Discover It $1.7K, Cap One QS1 $850, Overstock $17.5K
DC BK13 3/17....TU clean due to EE as of 12/17! EX clean as of 4/18! EQ clean as of 5/4/18!
Message 3 of 8
Valued Member

Re: Amex pre-approval but denied.

I’ll recon tomorrow and see if they will reconsider.  


Navy Amex 20k
Navy Cash Rewards 20k
Navy Platinum 15k
Discover It 10k
Citibank Preferred 10k
Penfed 10k
USAA 101st Airborne 6k
USAA Amex Rewards 2k
Amex BCE 1k


Message 4 of 8
Established Contributor

Re: Amex pre-approval but denied.

Yes and I was pre-approved for BCE, ED and BCP. My score was 671 at that time. This was before I found this forum.

Message 5 of 8
Valued Contributor

Re: Amex pre-approval but denied.

Hmm, other baddies possibly?

Let us know how the recon goes.



FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 6 of 8
Frequent Contributor

Re: Amex pre-approval but denied.

Hi @GMoney

 

Have you applied with them within 90 days? I have run into this situation with them. Showing several pre-quals, but if you have either applied or have been approved for one or two of their products within 90 days they will decline, but if everything with your credit stays the same after the 90 days and you still show pre-approved, good chance of approval.

Message 7 of 8
Valued Member

Re: Amex pre-approval but denied.


@mandm5698 wrote:

Hi @GMoney

 

Have you applied with them within 90 days? I have run into this situation with them. Showing several pre-quals, but if you have either applied or have been approved for one or two of their products within 90 days they will decline, but if everything with your credit stays the same after the 90 days and you still show pre-approved, good chance of approval.



Called and was told to give them 3-5 business days to recieva an email with a decision.  


Navy Amex 20k
Navy Cash Rewards 20k
Navy Platinum 15k
Discover It 10k
Citibank Preferred 10k
Penfed 10k
USAA 101st Airborne 6k
USAA Amex Rewards 2k
Amex BCE 1k


Message 8 of 8