So I used to have an AMEX card for a brief time back in '01. Then I made some knucklehead mistakes and ruined my credit. In the past I have tried the site and didn't get any offers. So I pulled an experian report and noticed that my report is now clean. So just for kicks I plugged in my info and it congratulated me and said I was pre-selected for the gold, Green & Zinc.
What are the odds that the site is correct and Amex approves me for a green card?
Oh i applied in March for one of the Blue cards and was declined, but my lates were still on my report at the time
You have a descent chance if you got a pre approval from there site. Its not a guarantee though. If you burned amex in the past and never settled with them that will keep you from getting approved. Theyve got a great memory when it comes to that. If you had issues and paid them back Id say go for it. If you never took care of your past issue and it has just aged off your report chances are youll be denied again.
oh , no i never burned them. i just had a few lates w/BOA. Never Amex
If you are really interested in trying to get back with Amex I would say go for it as you will probably always be thinking in the back of your mind what about if I could have had a cc, all I can say from my experience I tried many times at the pre-selected site an it was a flat out no offer then one night I tried again and there it was to my surprise an offer for the green or gold card last October, I hit the trigger applied for the green and Bam approved for that card. To top if off still had three baddies on ex, 2 paid, one stating sold to another lender. Now at this time I have the premier gold. Good Luck in what you decide to do.
Do they soft pull or hard pull for the pre approval site?
soft, until you agree to actually apply for credit they can't do hard.
What are your baddies kal? With 700 plus scores you're a good candidate for Zync or Green. I have low 700's with 3 baddies and was approved for Gold, Green and Zync. I grabbed Zync and got 10,000 points and plan to PC to Gold Premier next year. Maybe Platinum :-)