All i know is once i got a revolver, that did not open me up to preapprovals or prequalify for other revolvers. I never have prequals with Amex
@Anonymous wrote:
I’ve seen this question posed or commented on in the past without a definitive answer (not sure we here even have a definitive answer) but I thought it was worth addressing.
It’s known that the UW criteria for AmEx charge cards is about the same whether the card in question is green, gold, or platinum. It seems logical to assume this extends to families of revolvers as well but I wanted to see if anyone knew for sure.
Do the cards in a particular Amex family all share UW criteria? From my understanding (I may be wrong), the no-AF cards may be easier to get depending on your scores. I think your CP really differentiates whether or not you'll be approved. If someone has a lower score, then my understanding is that they have a higher chance of getting approved for the no-AF versions vs. approvals for the AF versions. That is, would qualifying for a no-AF BCE automatically qualify one for the BCP, or vice versa? I ask because the wonder has come in regarding whether an AF card is easier or harder to get than a no-AF card. I know when my prequal Page in my account showed me approved for the Delta and Hilton cards, it was for all of them regardless of fee. But is this also the case for the core revolvers like it is for the charge cards? Or do some of the fee cards have different UW criteria than their no-AF counterparts? I don't believe it's the same. A few months ago, in my prequal page, I had pre-approvals for both the Gold and Platinum Delta but not the Reserve, I checked earlier and I see it there now. That leads me to believe, a few months ago, I may have had to cold-app for a Reserve while now, I actually see it in my pre-approvals.
Also, once one qualifies for a core revolver, for those of you who have them, did you find you were Pre-Approved for all core revolvers? Or have you seen that you were approved for, say, a Cash Magnet card but not a BCE or ED?
Just a curiosity but one I’m hoping to lay to rest. TIA...
See above in red - as before, this is just my experience and that may vary with other people.
OP from your siggy, you have two AMEX revolvers already. What are their limits? How long have you had them?
Once you have approved cards with AMEX, I will guess the “preapproval” game is changed. Now you are showing AMEX your ability to handle the cards. With good payment history, at a certain point (soon) you will be able to get any of their cards. Just be prepared for the AF
Once you have approved cards with AMEX, I will guess the “preapproval” game is changed. Now you are showing AMEX your ability to handle the cards. With good payment history, at a certain point (soon) you will be able to get any of their cards. Just be prepared for the AF
@AverageJoesCredit wrote:
All i know is once i got a revolver, that did not open me up to preapprovals or prequalify for other revolvers. I never have prequals with Amex
I'm with @AverageJoesCredit here. I've never had a pre-qual and getting one revolver didn't make the second one any easier. Initially I had better luck with their co-brand revolvers than that of their core products (i.e. ED/EDP/BC/BCE).