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AMEX pre-qualify for existing AMEX users?

Shadowfactor
Valued Contributor

Re: AMEX pre-qualify for existing AMEX users?

Normally preapprovals with Amex that result in the 14 day message is verification.
Call them and ask.

As maize stated. Preapprovals while logged in are probably the most accurate preapproval will get from any lender.

I would not advise applying when logged in though. You will never get the best sign up bonuses like that. Always app incognito with a better offer. If your preapproved when logged in. Your still preapproved when in incognito.




Total Revolving Limits $254,800

Message 11 of 33
2IMPROVE1
Contributor

Re: AMEX pre-qualify for existing AMEX users?

Mine did not have a $ amount. You can call and generally someone can override the 14 days and approve you.  My initial card was denied I called and got a nice lady that approved me.

August 2018- Equifax 658 TU 651 Exp 659
October 2018-Equifax 703 TU 701 Exp 706
January 2019 Equifax 708 TU 704 Exp 710





Message 12 of 33
TheBrad
Frequent Contributor

Re: AMEX pre-qualify for existing AMEX users?

update....just got the approval email. Seemed weird that they gave me a pretty firm offer, then got the 14 day message.

 

Good to know about the "Apply" button trick. I too had been trying to figure out how to find prequalified offers.

Message 13 of 33
soupy5
Frequent Contributor

Re: AMEX pre-qualify for existing AMEX users?


@MaizeandBlue wrote:

@2IMPROVE1 wrote:

I just hit the apply now and it did tell me I was "pre-approved" but it also says get a decision in less than 30 seconds.  That tells me there is a possibility I could be denied!


There's always the possibility that you can be denied.  Pre-approvals are based on soft pulls of your credit report.  And if some factor has negatively affected your report since the last soft pull you can be denied.  No lender will give you a 100% guarantee of approval without doing a hard pull; but Amex is as close as it will get.


Great info throughout, MaizeandBlue.



Current Scores Jul 2020 – FICO 8
Message 14 of 33
soupy5
Frequent Contributor

Re: AMEX pre-qualify for existing AMEX users?


@TheBrad wrote:

update....just got the approval email. Seemed weird that they gave me a pretty firm offer, then got the 14 day message.

 

Good to know about the "Apply" button trick. I too had been trying to figure out how to find prequalified offers.


Congrats!!



Current Scores Jul 2020 – FICO 8
Message 15 of 33
2IMPROVE1
Contributor

Re: AMEX pre-qualify for existing AMEX users?

Did they soft pull? What is your Experian score?

August 2018- Equifax 658 TU 651 Exp 659
October 2018-Equifax 703 TU 701 Exp 706
January 2019 Equifax 708 TU 704 Exp 710





Message 16 of 33
TheBrad
Frequent Contributor

Re: AMEX pre-qualify for existing AMEX users?

The Amex site is showing it as 804, not sure what it is now after a couple of Apps, but the Experian site shows 801.

 

I'm not sure if it was a HP or SP,  I'll try to post back in a few days if my profile updates.

Message 17 of 33
MaizeandBlue
Senior Contributor

Re: AMEX pre-qualify for existing AMEX users?

Amex is usually a soft pull for existing members when applying for a pre-approved card.





Message 18 of 33
morgacj2004
Valued Contributor

Re: AMEX pre-qualify for existing AMEX users?

I have been pre-approved on all my recent AMEX cards (5-6) and have never had an issue getting approved. Always has been instant approval.  


AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 19 of 33
ridgebackpilot
Established Contributor

Re: AMEX pre-qualify for existing AMEX users?

I recently won approval for my third and fourth AMEX cards (Platinum and SPG Luxury). Both pre-approved due to my accounts with AMEX and both instantly approved on SP only!

 

In my experience, you can take AMEX pre-approvals to the bank (literally)!

Message 20 of 33
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