cancel
Showing results for 
Search instead for 
Did you mean: 

Do Amex cards show a limit before a HP?

DSewnauth
Established Member

Do Amex cards show a limit before a HP?

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?

Message 1 of 6
5 REPLIES 5
pizzadude
Moderator

Re: Do Amex cards show a limit before a HP?


@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
Message 2 of 6
bigseegar
Established Contributor

Re: Do Amex cards show a limit before a HP?

No they don't

Message 3 of 6
FalconSteve
Valued Contributor

Re: Do Amex cards show a limit before a HP?

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 $8800 CL- $1k SL- AU, no longer on reports b/c of error (wife's card) | 1/26/20 AmEx Cash Magnet $35k CL (wife's card) | 2/19/20 BB&T/Truist Rewards $11k SL- impulse application | 2/22/20 Citi Double Cash WEMC $15,400 CL, $2900 SL- AU- (wife's card) | 3/8/20 Wells Fargo Propel AmEx $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU) | 3/9/20 BB&T/Truist Rewards $11k SL- AU, not on reports- impulse app (wife's card) | 3/21/20 REDcard (TD Bank) $2500 SL, $6000 CL | 11/24/20 AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $35k CL | 6/10/21 SoFi World Elite MC (TBOM) $7000 SL | 1/19/22 AppleCard/GS $10k CL, SL $6k SL AU, wife

Credit Scores for both of us around 800, depending on what you pull & balances. All PIF, frequently before statement close
Message 4 of 6
FinStar
Moderator

Re: Do Amex cards show a limit before a HP?


@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...

Message 5 of 6
FalconSteve
Valued Contributor

Re: Do Amex cards show a limit before a HP?


@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 $8800 CL- $1k SL- AU, no longer on reports b/c of error (wife's card) | 1/26/20 AmEx Cash Magnet $35k CL (wife's card) | 2/19/20 BB&T/Truist Rewards $11k SL- impulse application | 2/22/20 Citi Double Cash WEMC $15,400 CL, $2900 SL- AU- (wife's card) | 3/8/20 Wells Fargo Propel AmEx $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU) | 3/9/20 BB&T/Truist Rewards $11k SL- AU, not on reports- impulse app (wife's card) | 3/21/20 REDcard (TD Bank) $2500 SL, $6000 CL | 11/24/20 AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $35k CL | 6/10/21 SoFi World Elite MC (TBOM) $7000 SL | 1/19/22 AppleCard/GS $10k CL, SL $6k SL AU, wife

Credit Scores for both of us around 800, depending on what you pull & balances. All PIF, frequently before statement close
Message 6 of 6
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.