Amex preapproval/referral

Anonymous · ‎08-16-2019

Quick question. When I go on Amex's site, I am preapproved for 5 cards, including the one i want (BCE). I also had my husband send me a referral to take advantage of the $75 bonus for that. On both the preapproval site and through the referral, the APR is between 14.99% and 24.9%. I remember reading that if it does not have a SET apr, but has this "between this and this", then it is not a true preapproval? Or does ths just apply to mailings? I just want to make sure before i apply. I am also an AU on is BCE, will this affect my CL at all? My CR is great across the board and fico on ex is 766. No baddies, 9% util across all cards, 2 inq. 130k income. Thank you for any help!

Jnbmom · ‎08-16-2019

AMEX preapprovals are pretty solid. Are you already a card member or is this your first attempt with them? Sorry just read you are an AU on his card.

Your scores seems online for an approval. But yes solid apr's seem more of a sure shot.

EXP 780 EQ 796 TU 810

Anonymous · ‎08-16-2019

Yes my first shot with them. I had read that preapprovals are pretty solid, but also read that if the apr varies, then its not as much of a sure thing. But, ive only read that with mail offers, wasnt sure about online preapprovals. Not sure if i should go for it or wait. He started out with score of 735 when he first applied and approved for 10k, 30k after 61 days. Id like to start out with a decent CL with them. Im always nervous to apply for any card! lol Thank u for your reponse!

Jnbmom · ‎08-16-2019

@Anonymous

Yes I think you have a solid shot, but it's up to you whether to apply. Good luck and keep us posted.

EXP 780 EQ 796 TU 810

rgate88 · ‎08-16-2019

@Anonymous wrote:
Yes my first shot with them. I had read that preapprovals are pretty solid, but also read that if the apr varies, then its not as much of a sure thing. But, ive only read that with mail offers, wasnt sure about online preapprovals. Not sure if i should go for it or wait. He started out with score of 735 when he first applied and approved for 10k, 30k after 61 days. Id like to start out with a decent CL with them. Im always nervous to apply for any card! lol Thank u for your reponse!

I applied with a lower score, less income, and many inquiries and got the ED no problem. From the sounds of your profile, you should be golden. AmEx is not as elusive as many people think.

CO Quicksilver - $500; Barclay's GM BuyPower - $700; Target MC - $9,000; Chase Amazon Prime - $8,000; PNC Core - $27,000; Citi DoubleCash - $10,300; Citi Simplicity - $29,500; Chase World of Hyatt - $12,000; PayPal LOC - $1,500; PNC Cash Rewards - $48,000; U.S. Bank Altitude Go - $15,000; AmEx Platinum - NPSL ($7,800 POT); Elan Max Cash (Alliance CU) - $25,000; Alliance CU LOC - $2,000; Wells Fargo Autograph Visa - $10,000; Chase Freedom Flex - $8,000; Venmo - $1,500; AllTru CU LOC - $10,000; Citi Strata Premiere - $11,000; Citi AAdvantage Platinum Select - $14,300; Gemini Credit Card (WebBank) - $15,000; Chase Sapphire Reserve - $26,600; Citi AAdvantage Global - $15,500

Business Trade Lines - Chase Ink Cash - $4,000; Chase Ink Preferred - $10,000; AmEx BBP - $5,500; Hilton Honors Business - $9,000; Elan Business Visa (Alliance CU) - $20,000; Barclay's GM Business - $2,500; Kabbage LOC - $10,500; Marriott Bonvoy Business - $14,600; IHG Rewards Premier Business - $5,000; Edward Jones Business (US Bank) - $2,000; Barclays Wyndham Earner Business - $14,000; US Bank Triple Cash - $10,000; Chase Ink Unlimited - $6,000

Total CLI - $413,500

Anonymous · ‎08-16-2019

Ok, gonna give this a shot! So, should I apply through the amex preapproval site or should i apply through the referral my husband sent me? Or dont it matter? Or even thru incognito tab? Hmm?

Meanmchine · ‎08-16-2019

Yes. Grab that $75

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching

KLEXH25 · ‎08-16-2019

I’m more than confident that you will be approved, based on the stats you listed. Can you get a SUB along with that referral? If so, I’d say apply through the referral in incognito mode. Good luck and let us know how it turns out!!

Anonymous · ‎08-16-2019

Ok guys, just did it. I was approved for $8000, $250 bonus and $75 to husbands accout! Was shootin for full 10k, but Im good with this! I am not disappointed! Also the set APR is 18.99% . Ive worked sooo hard on my credit the past 3 years bringing it from 530 to 766! Now, Idk if i was going to do this next thing if i should do it now or wait? Ive been getting, no joke, at least 3 mailings per day from Citi, for all 3 of their cards. DC, Simplicity and Citi rewards. All with set 17.99 APR. Clearly they want me to apply lol. Just not sure which would be the best card to go for out of those 3 and if i should go for it now or wait? And if i go for it now, is it best to use the mailing code that i received when i apply?You all have been so very helpful in making my decision to go for it and I thank you!

FinStar · ‎08-16-2019

Congrats on your approval @Anonymous! Well done.

Locking this thread as you have been approved. Feel free to start a new approval in the Approval forum if you would like to do so.