AMEX Question

[Svthhvn]

On amex's free monitoring site under offers...is that a legit offer or just marketing? I show zip on their prequal page but on the site it shows blue cash everyday?

[Anonymous]

The true AMEX prequal is to go to the card list while logged into your account, pick the card you want and hit apply. If it says "you're preapproved," it's a solid offer. If it says "expand your membership," it's not. 

[Svthhvn]

No this is their free "My Credit Guide" site. I have not been invited into the Amex family yet. I still live in sub-prime land but I remain ever hopeful!

[Anonymous]

Ahhh, I thought you had an Amex. My bad, sorry. 

In that case, what are your scores like? 

[Svthhvn]

644 Ex, 641 TU and EQ who knows. It's always lower. I don't really want to apply for anything but I REALLY want to be invited!! 😂 Ridiculous, I know....

[Anonymous]

Not ridiculous. I totally get it. It's nice to be wanted.

I got my first AMEX prequal 3/2018 when my EX was 690 for the BCE for reference. I've heard 670 is the lower threshold for a core revolver where you can start expecting prequals but they have been known to approve some of them a bit lower. 

[Svthhvn]

Cool. Shouldn't be long then. Hopefully I've put myself on their radar by joining their free site. I guess we will see.

[Anonymous]

Yeah you're definitely not far from a revolver as long as the rest of your profile looks good to AMEX. Obviously score isn't everything.