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Amex pre qualify please help.

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Brian_Earl_Spilner
Credit Mentor

Re: Amex pre qualify please help.

The co-branded cards like Delta and Hilton usually require at least a 641 EX8. Charge cards are around 645. I've never been pre-qualified for any of mine and got approved at 625 and 641 respectively, but I have no idea how your reports compare to mine. Getting above a 680 will reduce the chances you get stuck with a low starting or charge limit and you should prequalify for their core revolvers.

    
Message 11 of 16
Moni209
Contributor

Re: Amex pre qualify please help.

Thank you all Iam so disappointed, I should've waited abit longer amd not applied 😩 . I lost 7 points and now experian is showing a fair score unlike the others showing Good! Ughh Im so mad! Should've known better! Ive been working really hard to get my scores into Good standing and this happens!!



Current Score: 4•29 | EQ 666 | TU 673 | EX 666
Goal Score: 730
Message 12 of 16
KJT
Regular Contributor

Re: Amex pre qualify please help.

Did you recon the decision? That works sometimes.

BK Filed 06/15 and D/C 09/15 Current FICO 8/9 Scores EQ 823/824 EX 768/799 TU 783/785 AMEX BCE $30K, Delta AMEX $25k, AMEX Platinum NPSL, AMEX Marriott Bonvoy $9.3K, AMEX Hilton Aspire $9.3K, Apple Mastercard $13K, BOA Unlimited Custom Cash Visa $25K, BOA Travel Rewards Visa $28K, Truist Travel Reward Visa $7.5K, Truist Brightstar Visa $7.5K, Truist $22.4K, Fidelity Visa $35k, Target $5k, Banana Republic $7.5k, Chase Sapphire Preferred $9K, Amazon Visa Chase $28.5, CITI Custom Cash $10K, CITI Macy AMEX $3.5, NFCU eSignature Visa $48k, NFCU CLOC $15k, NFCU AMEX Rewards $32k, Comendity NFL $30.4k, PayPal $10k, Capital 1 Wal-Mart $6k, Amazon Prime $10k, CITI-Double Cash $10k, PENFED Power Cash Reward 20k, PENFED AMEX $20K, PENFED Platinum $10k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS-Paid Off, PENFED Signature Loan 19k 48 MTHS, Nordstrom 15K; USAA AMEX Reward $21.5K, USSA Visa Reward $16.5K, Target $5K, Infiniti Q50 2019 $44K-1.9% APR 72 months-Paid Off. Total CC Limits $520K.
Message 13 of 16
Anonymous
Not applicable

Re: Amex pre qualify please help.

You may want to consider taking 30-minutes to recon the AmEx denial; however, be sure to have the CSR that you're trying and hoping to avoid a second HP merely by having called the recon line:  (800) 567-1083

You'll want to prepare yourself to be as nice as you can be during your recon call.  I was completely surprised that AmEx approved me for the Gold card with the same scores you have, but I also waited for five-years and one-month post-BK before I applied.  Waiting was the hardest part of all of this for me.  Frankly, I wouldn't blame myself if I were you as you did what I would have done.  If the recon doesn't work, then consider waiting 61-months from your BK discharge, and continue checking the pre-approved page.  Best of luck!!  We're all hoping to see you get approved Smiley Happy

Message 14 of 16
Anonymous
Not applicable

Re: Amex pre qualify please help.

I see ur EX is 666 and ur EQ is too. That's normally what scores they pull.That's probably why u got denied.I hear 670-675 is the sweet spot and is considered GOOD in fico 8. U get ur denial reason? It could also all depend on ur overall utilization. U didn't give too much data pts.

Message 15 of 16
Oops_I_Did_It_Again
Regular Contributor

Re: Amex pre qualify please help.

Amex computer was probably having a bad day, possibly mild coronavirus infection.  Smiley Wink

Not your fault.  Don't let 'em get you down.

Good luck if you recon.

 

Credit Profile (AUG 2025)
F8 EX 802 EQ 812, TU 813, F8 BC EX 830, EQ BC 835, F9 EX 812
TCL: $159,400, reporting available: $154,459
cc utilization: 3%, auto loan: $3641/$6850
AoOA 7Y 4M, AAoA 4Y 2M, AoYA 1Y 1M
new cc accounts 2/24, 0/12, 0/6, 0/3, INQs 12 months EX 0, EQ 0, TU 0

Personal Cards (17)
US Bank/Elan - Fidelity Visa Sig, Chase/Amazon Prime Visa, Freedom Unlimited, Bank of America CCR,
American Express BCP+CM, GS Apple Card (MC), PenFed PC Rewards, Truist Future, Citibank DoubleCash,
Discover IT + BT,Regions Cash Rewards, Wells Fargo AC, CapOne QS (x2), Synchrony PPMC +
Closed (1): Synchony Amazon Prime

Business Cards (1)
American Express BBC
Message 16 of 16
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