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Update: Legit! American Express Pre-Approval Legit?

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kflo01
Contributor

Update: Legit! American Express Pre-Approval Legit?

So I usually check for American Express preapprovals once a month and I always get the "sorry we couldnt match blah blah".

Well this morning i got this. If it is legit which card is the best?aepre.PNG

 

-- UPDATE --

 

I couldn't wait lol. It was legit. Data points:

 

Experian Fico: 680

Negatives on the report: 4 unpaid charge offs (roughly 2 years old), 2 paid charge offs (roughly 2 years old)

10 Inq last 2 years (2 last 60 days)

Credit limit...................................................I must have missed it on the screen i have to call new accounts tomorrow and get the limit. Card will be here in 3 to 5 days.

 

 

I did burn them back in 1994/1995 with a green card. lets do things right this time.

Message 1 of 31
30 REPLIES 30
ccquest
Established Contributor

Re: American Express Pre-Approval's. Is This Legit?

That's certainly a lot they could hold against you, but congrats on the approval. Go back at 61 days and get your 3X CLI if possible and get started on that train with stops every 181 days after that.

200 -> 600 -> 1800 -> 5400 ->16200 in just over two years if they approve them all. Soft pulls so can't hurt to ask.
as of 1/1/23
Current Cards:
Message 2 of 31
K-in-Boston
Credit Mentor

Re: American Express Pre-Approval's. Is This Legit?

Congrats on your approval!  I locked your original thread and split this off to a new thread in credit card approvals for you, edited the post with your original post, and added a new title.  Please feel free to edit it again as you see fit.

Message 3 of 31
mrcraft
Valued Contributor

Re: Update: Legit! American Express Pre-Approval Legit?

Congratulations on your approval!!



Message 4 of 31
gdale6
Moderator Emeritus

Re: Update: Legit! American Express Pre-Approval Legit?

Sweet, grats to getting back in the door Smiley Happy

Message 5 of 31
Anonymous
Not applicable

Re: Update: Legit! American Express Pre-Approval Legit?

Congratulations!

Message 6 of 31
AllZero
Mega Contributor

Re: Update: Legit! American Express Pre-Approval Legit?

Congratulations on your approval!
Message 7 of 31
KLEXH25
Valued Contributor

Re: Update: Legit! American Express Pre-Approval Legit?

Congrats on getting back in with Amex!! That SUB is sweet too!



Message 8 of 31
Jannelo
Frequent Contributor

Re: Update: Legit! American Express Pre-Approval Legit?

Congratulations on your approval!  That's fantastic news.  I always go on there every few months to gauge how I'm doing on moving into prime cards.  For a year, I received the pre-qualification for the Gold charge card and sometimes another charge card with an AF.  But this month is the first time I've received a pre-qual for one of their no AF credit cards.  The Blue Cash Everyday card also popped up for me.  It was the best feeling to be prequalified for an Amex credit card.  I don't plan on applying.  But, still, it is a great feeling.

 

I hope it's a great SL for you, but even if on the lower end, you're back in with Amex.  

Open Credit Cards:
Green Dot Primor Secured (5/18) - $450 CL (CLOSED 2/2020)
Capital One Platinum (8/18) PC to Quicksilver (9/19) - $3800 CL
Capital One QuicksilverOne (3/19) - $4800 CL
Merrick Bank DYL VISA - No AF (6/19) - $1400 CL
Discover it Cash Back (9/19) - $2800 CL
Amazon Prime Store Card (4/20) - $10,000 CL
NFCU cashRewards (4/20) - $4500 CL
BB&T Spectrum Cash Rewards (5/20) - $3500 CL
Navy Federal More Rewards American Express® Card (3/21) - $9700 SL - at 9.65 %.
Experian FICO Score - 8/2018: 528

Experian FICO 8 Score - 9/2022 - 720
Equifax FICO 8 score 2/2022- 692
TransUnion FICO 8 score 10/2022 - 728
Experian FICO Mortgage Score - 725
Message 9 of 31
CreditAggie
Community Leader
Super Contributor

Re: Update: Legit! American Express Pre-Approval Legit?

Congratulations on your Amex BCE approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (April 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 10 of 31
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