How reliable are AMEX mailed offers?

SomeGuyOnTheWeb · ‎11-04-2014

I've been thinking about app'ing for the AMEX Everyday. Seemingly by coincidence, I got an offer in the mail yesterday for the Everyday with an APR of 12.99% (which seems to be the lowest on the card). Truth be told, the APR isn't a huge concern to me as I would intend to pay in full every month. I'm just curious as to how reliable those offers are as in chance of approval. I loathe to waste a hard pull only to be declined.

EQ - 727
TU - 752
EX - 774

taxi818 · ‎11-04-2014

@SomeGuyOnTheWeb wrote:
I've been thinking about app'ing for the AMEX Everyday. Seemingly by coincidence, I got an offer in the mail yesterday for the Everyday with an APR of 12.99% (which seems to be the lowest on the card). Truth be told, the APR isn't a huge concern to me as I would intend to pay in full every month. I'm just curious as to how reliable those offers are as in chance of approval. I loathe to waste a hard pull only to be declined.

First of all common sense. They dont know the debth of your report. Until you let them look. Its a superficial offer based in criteria they saw. No offer period is a guarantee. But. They are simply saying you have a better chance than most. Its just that simple.

jamesdwi · ‎11-04-2014

@SomeGuyOnTheWeb wrote:
I've been thinking about app'ing for the AMEX Everyday. Seemingly by coincidence, I got an offer in the mail yesterday for the Everyday with an APR of 12.99% (which seems to be the lowest on the card). Truth be told, the APR isn't a huge concern to me as I would intend to pay in full every month. I'm just curious as to how reliable those offers are as in chance of approval. I loathe to waste a hard pull only to be declined.

not very, if you have a business membership at Sam's club they will bombard you with every known AMEX charge personal and business, even if you score is 608.

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k

Creditaddict · ‎11-04-2014

since you have the fixed 12.99% in the offer I would assume you are golden not to mention your EX score!

Anonymous · ‎11-05-2014

@jamesdwi wrote:
@SomeGuyOnTheWeb wrote:
I've been thinking about app'ing for the AMEX Everyday. Seemingly by coincidence, I got an offer in the mail yesterday for the Everyday with an APR of 12.99% (which seems to be the lowest on the card). Truth be told, the APR isn't a huge concern to me as I would intend to pay in full every month. I'm just curious as to how reliable those offers are as in chance of approval. I loathe to waste a hard pull only to be declined.
not very, if you have a business membership at Sam's club they will bombard you with every known AMEX charge personal and business, even if you score is 608.

Interesting. Seeing as Sam's Club doesn't even take AMEX. :/