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How reliable are Pre-Qualifications from AMEX?

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Established Member

Re: How reliable are Pre-Qualifications from AMEX?

Alright, I'll wait until my FICO scores are generated. I'll focus on my Discover card and keep preventing any baddies from showing up.


Also thanks for the advice on the APR% for the pre-qualifications, I'll look more into it when I apply. Smiley Happy

Message 11 of 16
Regular Contributor

Re: How reliable are Pre-Qualifications from AMEX?

Amex approved me for the Gold card without a FICO score, so I'd go with that card if it fits your spending.

Amex Gold (NPSL); Amex Green (NPSL); HH Surpass (36.6k); Amex BBP (27k); Macy's Store (20.5k); PNC CR (17.5k); B&H Payboo (16.5k); HSBC Premier WEMC (11k); Amazon Store (10k); AEO Visa (10k); GAP Visa (10k); HSBC Advance (7.5k); PNC Premier Traveler (5k); Discover It (4.2k); Nordstrom Store (4k); Apple Card (2.5k); Discover It (2.5k); Delta Platinum (1.4k); Charles Schwab Investor (1k); Amex Everyday (1k); BofA CR (1k); Citi TYP (1k); TJX MC (0.8k); Deserve Edu (0.5k)
Started collecting cards: Oct/2018
Inquiries: EX (25); TU (25); EQ (16)
Got all the cards I need, so all reports are frozen until Nov/2020 for Altitude Reserve or Amex Plat 100k offer
Message 12 of 16
Community Leader
Senior Contributor

Re: How reliable are Pre-Qualifications from AMEX?

I agree with @LauraC and her advice on the APRs. I had first heard that with Disco and used that to know when to apply. I’ve also read on here about how it’s a good way to reinforce that you’re solid with Amex beyond just the “you’re preapproved” verbiage. Definitely check that out and if you see the preapproval language along with a set APR, that’s about as close to a “go” as you’re going to see anywhere.

Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex

Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 13 of 16
Valued Contributor

Re: How reliable are Pre-Qualifications from AMEX?

The pre-qualifications are pretty solid from Amex, at least for me.  In my opinion if it gives you a specific APR, like 14.99%, and not a range, like 12.99 to 29.99%, then is it definitely solid. 


If you get an Amex, alway treat like a lady, because Amex has a long memory.



Message 14 of 16
Established Contributor

Re: How reliable are Pre-Qualifications from AMEX?

To add a DP to this thread I had a Pre-approval for the Amex Blue which is the MR version of the BCE at the time of my initial app for the BCE. Both cards had fixed rates went with the BCE and was approved apped for the Blue aswell and it was a denial. I have heard some people was lucky to get 2 back to back.

Message 15 of 16
Valued Member

Re: How reliable are Pre-Qualifications from AMEX?

I had a previous collection with AMEX back in 2016 that I paid 75% off and settled. I have one current collection on my report that I haven't paid off and my score at the time was 620 Experian. I did the pre qualify and got offered the Delta Gold and took it with a $1000 CL. So IMO the chances are probally good still if you got pre-approved. 

AMEX Delta Skymiles $1K | AMEX Hilton Honors $1K | Southwest Rapid Rewards Visa $2K | Chase Amazon $1K | Chase Slate $500| Capital One Quicksilver $600 | Credit One $500 | Kohls $1K | Overstock $2K | IKEA Projekt $6K | Monro Drivecard $800 |
| Rebuilding since Dec 2018
Message 16 of 16
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