Amex pre-approval?

[Aspireto850]

Hi All,

I tried searching for this but it clearly is buried deep within search. I'm currently an Amex cardholder amd want to add. Another product. Where can I find out if I'm pre-approved for any cards? Will it show a list of cards and once applied will it be a soft hit?

thanks

[coldfusion]

Log onto your account.

Under "cards" select "check for pre-Qualified credit card offers"

You can also just select the card you want and click on "Apply".  If it comes back with "Aspireto850, you're pre-approved" you have a preapproval, if it comes back with phrasing like "Expanding your membership with us is easy, Aspireto850" (I forget the exact language) you don't have a preapproval for that card. 

Odds are the application will be a soft pull but that's not a guarantee.  Several of us here have taken additional HPs when adding to our AMEX portfolio. 

[Anonymous]

Exactly, and I think you nailed the verbiage word for word too

[Aspireto850]

You're the best, thanks! Thought that was the case but not sure. Plus I didn't realize I could just select the card to see if pre-approved! 

have an awesome week! 

[Anonymous]

omg LOL, I was expecting to see "aspireto850" on the screen! HAHA. but I had wish I'd known this before I applied last week! Dang, but yes "applying to expand your card membership with us is easy, likehopeandpain" is what it says.

[baronetheanvil]

You should get double bonus Kudos for that post, Coldfusion.

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@coldfusion wrote:

Log onto your account.

Under "cards" select "check for pre-Qualified credit card offers"

You can also just select the card you want and click on "Apply".  If it comes back with "Aspireto850, you're pre-approved" you have a preapproval, if it comes back with phrasing like "Expanding your membership with us is easy, Aspireto850" (I forget the exact language) you don't have a preapproval for that card. 

Odds are the application will be a soft pull but that's not a guarantee.  Several of us here have taken additional HPs when adding to our AMEX portfolio. 

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[coldfusion]

Thank you.

I should have also mentioned in my above post that not getting a preapproval doesn't mean that you would be denied if you applied.

A preapproval effectively equates to there being a high probability of approval (I'm guessing in the 80-90% range), not getting a preapproval really only means that the odds of approval didn't reach that necessary threshold and not that one had 0 chance of approval.