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Amex - Pre-approvals with Security Freezes

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crednub
New Contributor

Amex - Pre-approvals with Security Freezes

I was approved for my first Amex, a BCE last week. I've read a lot about Amex pre-qualification for existing cardholders. As a matter of course, I keep my reports frozen except for temporary lifts when I intend to apply for new credit.

I understand it will be a while before they would appear for me, but when that time comes will my reports being frozen prevent Amex from offering me pre-approvals as an existing cardholder or are they able to anyways because of the existing relationship?
Message 1 of 5
4 REPLIES 4
MrCreditInternational
Frequent Contributor

Re: Amex - Pre-approvals with Security Freezes

I got approved for the green card few days after I froze my files. Granted the pre-approval was done using a SP before I froze my files.

Current open cards:
Schwab Amex Platinum (NPSL); Amex Gold (NPSL); HH Aspire ($31,700); Amex BBP ($27,000); HSBC Premier WMC ($21,500); USB Altitude Reserve ($20,000); USB Altitude Reserve ($10,000); WF Bilt MC ($9,400); Chase Freedom ($7,300), BofA Premium Rewards ($5,000); Apple Card ($4,750); BofA Alaska Visa ($4,200); USB Altitude Go ($1,000)

Started collecting cards: Oct/2018
Message 2 of 5
Anonymous
Not applicable

Re: Amex - Pre-approvals with Security Freezes

They're still able to pull your credit for SPs to offer preapprovals. 

Message 3 of 5
Loquat
Moderator Emeritus

Re: Amex - Pre-approvals with Security Freezes

@crednub My files are frozen and I’m still able to see pre-approved offers. Now I haven’t app’d with my file frozen as Amex doesn’t have anything I want at the moment, or I should say nothing with a high enough offer for me to bite.

So yes, you can still see pre-approvals with your file in ice. And congrats on your first card with them!
Message 4 of 5
grower1
Frequent Contributor

Re: Amex - Pre-approvals with Security Freezes

With Amex,  I have app’d, been approved for new cards, and received CLIs for existing cards with my file frozen.




Message 5 of 5
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