Update Approved! Hilton Honors Amex Offer

[Anonymous]

Hello everyone,

I recently received an offer in the mail for the Hilton Honors Amex card.  I applied for this card in the past and was denied.  Experian FICO at the time was 646.  My current Experian FICO is lower at 635. 

Is my chance of approval higher since I received the custom offer code in the mail?  I realize my FICO is much lower than Amex typically approves.  Really don't want or need a HP if this is going to be a no go.

Thanks for the advice. 

[sxa001]

Most of those offers are marketing.  If they declined you before because of score and your score is lower I would probably hold off.  Not sure about AMEX but for many if there is an APR range it is just marketing. 

[coldfusion]

The recent rounds of mailers that have gone out have been invitations to apply.

I would put a lot more faith in the outcome of an online check for preapprovals than I would in these online mailers.

[Anonymous]

Thanks @sxa001 .  My initial thought was marketing since I am a Hilton Honors member and also receive email invitations to apply, just without the offer code.  Also the link on the mailer is through Hilton which directs you to Amex.

[Anonymous]

Good point @coldfusion .  Will do the online check.

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@coldfusion wrote:

The recent rounds of mailers that have gone out have been invitations to apply.

I would put a lot more faith in the outcome of an online check for preapprovals than I would in these online mailers.

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[Anonymous]

I went for it.  Got it!  Approved for $1,000 @ 24.74% and 100,000 Bonus Points!  Yes!!!

[Meanmchine]

Congrats! ----- ( before the mod on duty closes this thread)

[Anonymous]

Congratulations on the Hilton approval! 

[M_Smart007]

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@Anonymous wrote:

I went for it.  Got it!  Approved for $1,000 @ 24.74% and 100,000 Bonus Points!  Yes!!!

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Congratulations on your Approval..

[gdale6]

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@Anonymous wrote:

I went for it.  Got it!  Approved for $1,000 @ 24.74% and 100,000 Bonus Points!  Yes!!!

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Grats on the approval