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@Anonymous wrote:I went to AMX Pre-qual page and was pre-qaulified for just
Magnet maybe okay but may get under $2,000 SL, don't want to wait 61 days for CLI
Im just sitting back and soaking that comment in.
Hey there,
I agree with what others are saying. Amex would for sure approve you with your scores. If it says your preapproved, you typically are. Just read about the cards and see if MR points are better for you or cash back. I dont have chase cards ( god knows I cant with my app habits) but they are wonderful too.
Shifu and Sebby on Youtube, their are 3 tier's, basic cards like Capital One Platinum and Discovery iT cards etc, tier 2 are Chase Freedom AMX magnet and crads similar to them, basically a bit higher credit score needed, then their are teir 3 which are the Chase Sapphire cards and AMX cards like that, I am surte their are tier 4 cards like the black card also.
I went to Citi pre-qualification page this month and it basically they did not have any offers for me?? I have very good credit, don't get it??
Capital One Card $950 credit limit (zero balance no late payments) got it Sept 2017
Discovery iT Card $1750 credit limit (zero balance no late payments) got it March 2019
I only have one inquiry
No deragatory marks
FICO 741
TU 732
EQ 720
Those tiers don't mean squat. It all depends on your overall profile. Amex has no problem giving someone with a 640 one of their flagship cards. Chase won't give you the time of day if your history is less than a year old with baby limits, despite having a 745. Someone just posted the other day that their wife got a $15k Sapphire Preferred with a 636 score. Your score is just a way to screen you. Everything else on your report is what will dictate approval or not.
As for amex prequals, if you qualify for a card, you're probably qualified for the others of the same type. Qualified for a green? They'll give you a platinum. Qualified for a magnet, you can probably get one of the Blue Cash cards. Delta blue? Definitely the gold, probably platinum, and people seem to think reserve if you're willing to pay the AF.
@Anonymous wrote:I went to AMX Pre-qual page and was pre-qaulified for just 3 cards
Gold Card
Magnant
Everyday Card
Gold Card has a $250 a year fee, no thanks
Magnet maybe okay but may get under $2,000 SL, don't want to wait 61 days for CLI
If I apply for a Sapphire Preferred and get denied would AMX counter offer with another card?
I have a 741 FICO, 732 TU 720 EQ one inquiry one year over all credit history, been with Capital One for almost 2 years and Discover 5 months. No late payments mid 20's income
Some places like Krfedit Karma show me pre-qulified for both Saphire cards but others like Wallethub and Sesame do not??
Looking for a fairly high SL like $2,000 (high for me) so leaning towards the tier 2 AMX cards, need adise on this.
Hi and welcome
Iit appears you’re asking the same basic question here in Credit Card
https://ficoforums.myfico.com/t5/Credit-Cards/2000-CREDIT-LIMIT/m-p/5688234#M1656859
Please try to not cross post because it’s confusing.
I dont think your credit profile is at a
place right now for the CSP, so dont waste 2HPs (norm for Chase) on that card.
Also, I kind of LOL when you said you dont want to wait 61 days for a CLI. Most cards dont even entertain a CLI before 6 months.
And as others have said, those sites that give you approval odds—Nada—marketing only. You’ll get your best approval odds from people in the know on this forum.