I see what you are saying. and no i never had amex card yet. but thats my ultimate goal. I have gone to that preapproval page quite a few times in the last 5 or 6 months. No go at that station still. Like i said i crossed into the 700s on my scores. still no go. 26k cl. 17 percent util. dti is right at 58% only baddie is the **bleep** bull crap fake bk i did in 2016 jan. that i dismissed and took care of business.
Well, that's definitely a plus since no IIB took place. So, I would hang tight for about a year and a couple months to see about the possibility of getting an AmEx CC. Definitely check with the community first before you take the plunge to provide some assessments of your overall profile.
Aside from that, you're doing a great job in rebuilding and my only suggestion is to keep working on that utilization to improve your scores and overall profile. You'll get there 😁
What does the pre-approval actually look like? Anyone have screenshots? I select the prequalified offers button and three cards populate but it is just a list below that. The three do not seem to be pre-approved either. I just got my first card with them so I know I wouldnt have any by now, and not looking to app at all for quite awhile, but I wanna know what to look for when they do show up.
Let's clear this up.
You can safely ignore the three cards that show up when you click on Menu > Cards > Check for Pre-Qualified Credit Card Offers. Those three cards are usually those that Amex's marketing department are currently pushing, or thinks that you're currently qualified for.
To see all your actual pre-qualified cards, you need to click on the "Apply Now" button for each card. First, navigate to Menu > Cards > View All Cards. Using this option you should be able to browse all 18 cards currently offered by Amex. Click on each card, then press the "Apply Now" button. When you click the "Apply Now" button you will see one of two possible message (a) "MaizeandBlue, you are pre-approved. Get a decision in as little as 30 seconds." or (b) "Applying to expand your membership with us is easy."
If you see the second message you are not currently pre-approved for that particular card so just use your browser's Back button to go back to the main page view and move on to the next card. If you see the first message then you're all good to go. But the point I want to emphasize is that you must click on the "Apply Now" button for each card to know if you're pre-approved for it, rather than just only the three cards that show up when you click on the Check for Pre-Qualified cards option. In most cases, you will be pre-approved for more cards than the three that are shown by default.
P.S. If you can't see all 18 cards when logged in to Amex's website, then the site is filtering which cards are currently available to you based on your credit profile, recent applications, etc.