@GZG wrote:the ultimate goal is for them to offer a true amex/apple card solid approval w/o HP until accepted or have them change their language on the pre-qual
The model that Apple started with the Apple Card is so much better for consumers (and has no real downside that I can see for lenders), that I do not see why others do not adopt it. I am way more likely to apply for a card if I understand what I am going to get than if I have no clue until I get a hard pull.
