Do Amex cards show a limit before a HP?

DSewnauth · ‎01-28-2022

Checked prequal earlier and was surprised to see some offers. I'd like to see what sort of limit I can get before a hard pull is done. Do they tell you the limit before the hard pull?

pizzadude · ‎01-28-2022

@DSewnauth wrote:
Checked prequal earlier and was surprised to see some offers. I'd like to see what sort of limit I can get before a hard pull is done. Do they tell you the limit before the hard pull?

No, there is no tenative or potential CL associated with a prequalification. It will be based on your creditworthiness, income, other available credit, and whatever else AMEX adds to their secret approval sauce.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

bigseegar · ‎02-01-2022

No they don't

FalconSteve · ‎02-01-2022

I've never seen one. I would love a list of SP pre-approvals that include credit limits (like the apple card or FNBO or BBVA)

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800 CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC (TBOM) $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8 CL
8/2/23 Discover $8k SL

FinStar · ‎02-01-2022

@FalconSteve wrote:
I've never seen one. I would love a list of SP pre-approvals that include credit limits (like the apple card or FNBO or BBVA)

@FalconSteve - BBVA is no more since it's been acquired by PNC. There's several FIs that provide this info including some of the newest FinTechs, SYNCB (on some products), etc. It would behoove you to ask this question on the link below so the AmEx discussion at hand doesn't veer off topic.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Soft-Pull-Pre-Qualify-Links-Part-2-Updated-11...

FalconSteve · ‎02-02-2022

@FinStar wrote:
@FalconSteve wrote:
I've never seen one. I would love a list of SP pre-approvals that include credit limits (like the apple card or FNBO or BBVA)
@FalconSteve - BBVA is no more since it's been acquired by PNC. There's several FIs that provide this info including some of the newest FinTechs, SYNCB (on some products), etc. It would behoove you to ask this question on the link below so the AmEx discussion at hand doesn't veer off topic.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Soft-Pull-Pre-Qualify-Links-Part-2-Updated-11...

I knew PNC was buying BBVA, I guess I should have checked that. We have several PNC branches near us (I live in PA) and I haven't been impressed by them. I felt like it was a corollary to the discussion, but I will try to be more succinct in the future as well as not veer off topic as much.

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800 CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC (TBOM) $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8 CL
8/2/23 Discover $8k SL