How does this AMX Prequal Look?

[Anonymous]

Is this promissing or just a flake prequal from american express.

[Mr_Mojo_Risin]

Looks pretty good. Their prequals are generally pretty solid. 

When I've checked for some myself, that's what they look like. 

Is that what you were asking, if it was an actual prequal? 

[Anonymous]

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@Mr_Mojo_Risin wrote:

Looks pretty good. Their prequals are generally pretty solid. 

When I've checked for some myself, that's what they look like. 

Is that what you were asking, if it was an actual prequal? 

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Yes, that is what I am asking if it looks pretty solid. I know they can change their mind, but they pretty much ask for everything upfront. On one of the cards it says 23.99% variable, but on the others it says 13.99-23.99% variable. I am thinking about pulling the trigger after I applied for my second NFCU card. Is that rate high for prequalifications?

[Golf-and-Credit]

@Mr_Mojo_Risin 

+1

Looks like it has all the pre-qualify language.

@Anonymous  Are you just curious to see if you are pre qualified? 

[Anonymous]

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@Golf-and-Credit wrote:

@Mr_Mojo_Risin 

+1

Looks like it has all the pre-qualify language.

@Anonymous  Are you just curious to see if you are pre qualified? 

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Soon I am going to apply for an amex card, and need to know what their lanquage looks like before I apply. Thank you for pointing that out. With what you see there, is that like a 1k SL or a bit higher? Right now I only have 1 unsecure card and three secure cards. 3k unsecure and 1,200 secure. Had secured cards for 10 months and unsecured card for 3 months. 1% utilization, only $3 dollars reporting on balances. have 1 SSL loan with nfcu paid down to $300 and that is 3 months old as well. So I am trying to get rid of the secure card in the next three months. I want two nfcu cards and 1 other card for now. Deciding if I should go cap1 or amex for my third unsecure card. All advice is helpful and thank you.

[Mr_Mojo_Risin]

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@Anonymous wrote:

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@Golf-and-Credit wrote:

@Mr_Mojo_Risin 

+1

Looks like it has all the pre-qualify language.

@Anonymous  Are you just curious to see if you are pre qualified? 

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Soon I am going to apply for an amex card, and need to know what their lanquage looks like before I apply. Thank you for pointing that out. With what you see there, is that like a 1k SL or a bit higher? Right now I only have 1 unsecure card and three secure cards. 3k unsecure and 1,200 secure. Had secured cards for 10 months and unsecured card for 3 months. 1% utilization, only $3 dollars reporting on balances. have 1 SSL loan with nfcu paid down to $300 and that is 3 months old as well. So I am trying to get rid of the secure card in the next three months. I want two nfcu cards and 1 other card for now. Deciding if I should go cap1 or amex for my third unsecure card. All advice is helpful and thank you.

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If it was me, I would take the prequal from AMEX over Cap1.  

You can't really guess a SL by looking at the APR they're offering. 

Your cards seem a little young, 1K or 2K is certainly a possibility.

AMEX cards typically grow quicker than Cap1 from all the DP's I've read here. 

Cap1 will triple HP also if that matters to you.

[Anonymous]

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@Mr_Mojo_Risin wrote:

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@Anonymous wrote:

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@Golf-and-Credit wrote:

@Mr_Mojo_Risin 

+1

Looks like it has all the pre-qualify language.

@Anonymous  Are you just curious to see if you are pre qualified? 

---

Soon I am going to apply for an amex card, and need to know what their lanquage looks like before I apply. Thank you for pointing that out. With what you see there, is that like a 1k SL or a bit higher? Right now I only have 1 unsecure card and three secure cards. 3k unsecure and 1,200 secure. Had secured cards for 10 months and unsecured card for 3 months. 1% utilization, only $3 dollars reporting on balances. have 1 SSL loan with nfcu paid down to $300 and that is 3 months old as well. So I am trying to get rid of the secure card in the next three months. I want two nfcu cards and 1 other card for now. Deciding if I should go cap1 or amex for my third unsecure card. All advice is helpful and thank you.

---

If it was me, I would take the prequal from AMEX over Cap1.  

You can't really guess a SL by looking at the APR they're offering. 

Your cards seem a little young, 1K or 2K is certainly a possibility.

AMEX cards typically grow quicker than Cap1 from all the DP's I've read here. 

Cap1 will triple HP also if that matters to you.

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That sounds good, I am always worried about the triple HP from cap1. I have only had two hp's in like 9 years. I tried to be very careful an avoiding hard pulls as much as possible for when my profile can afford the hp's. I am not there yet, and do not want denials due to seeking too much credit too fast. Thanks for sharing those DP's. I am hoping I can get the nfcu 2nd card prior to the amex, hoping that is the right choice. I will wait on the cap 1.

[Golf-and-Credit]

@Anonymous 

I agree with @Mr_Mojo_Risin again. If you are looking at avoiding multiple hard pulls then I would say no to the Cap 1. Most of the time, again MOST of the time, AMEX will pull EXP 8. But they have been known to pull others so YMMV. EX looks like its your highest score. It could be a borderline approval with a $1K starting line. You could maybe research the approvals section for the card you want to get some data points from others. Or you could wait until you are closer or over the 700 mark.

[Mr_Mojo_Risin]

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@Golf-and-Credit wrote:

@Anonymous 

I agree with @Mr_Mojo_Risin again. If you are looking at avoiding multiple hard pulls then I would say no to the Cap 1. Most of the time, again MOST of the time, AMEX will pull EXP 8. But they have been known to pull others so YMMV. EX looks like its your highest score. It could be a borderline approval with a $1K starting line. You could maybe research the approvals section for the card you want to get some data points from others. Or you could wait until you are closer or over the 700 mark.

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Very well said! 

[Anonymous]

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@Golf-and-Credit wrote:

@Anonymous 

I agree with @Mr_Mojo_Risin again. If you are looking at avoiding multiple hard pulls then I would say no to the Cap 1. Most of the time, again MOST of the time, AMEX will pull EXP 8. But they have been known to pull others so YMMV. EX looks like its your highest score. It could be a borderline approval with a $1K starting line. You could maybe research the approvals section for the card you want to get some data points from others. Or you could wait until you are closer or over the 700 mark.

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I think you are correct. I am hoping to soon be over 675 for all three scores, but not there yet. 700 would be great still have a lot of work to do. 1k could work to get in the door, but I wonder when you get approved for that low amount that you stay there. I will look for more dp's thanks for the info.