Amex Prequalify

[Anonymous]

I went through the Amex prequal site and was prequalified for the Everyday card. I applied and got the "we'll make a decision in 14 days". What are my chances?

[Anonymous]

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@Anonymous wrote:

I went through the Amex prequal site and was prequalified for the Everyday card. I applied and got the "we'll make a decision in 14 days". What are my chances?

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How does your credit profile look like?

[Anonymous]

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@Anonymous wrote:

I went through the Amex prequal site and was prequalified for the Everyday card. I applied and got the "we'll make a decision in 14 days". What are my chances?

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Welcome to the forums.

We have absolutely no way of knowing your chances.  We need far more information like your Experian credit score, how many inquiries you have, what other cards you have, those cards balances, your overall utilization, age of accounts.  In short we know nothing avoi you so it's impossible to give you an answer.

[Anonymous]

All Fico scores, EX 672 TU 698 EQ 656. I currently have 4 CC's with a total CL of 7k. Utilization at 3%. AAoA 1 year 7 months. I do have 10-12 inquiries though due to 2 newer cc's and an auto loan.

[CreditCuriosity]

Most likely you will get it, least it wasn't a flat out denial.. You can check the status of your application through this site..

https://www262.americanexpress.com/eaol/welcome.do

[Anonymous]

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@Anonymous wrote:

All Fico scores, EX 672 TU 698 EQ 656. I currently have 4 CC's with a total CL of 7k. Utilization at 3%. AAoA 1 year 7 months. I do have 10-12 inquiries though due to 2 newer cc's and an auto loan.

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Your EX score is within the range for AMEX.  If you don't have any 'baddies' then your chances are pretty good. I would call AMEX and see what they have to say. A lot of time with them, it's just a matter of verification.

[Anonymous]

Check your e-mail, too. I got the same message, but no sooner did that message pop up on the screen I heard my e-mail ding. It was AMEX with an approval for the BCP. I nearly fell out of my chair.

Good luck!!

[Anonymous]

A miracle.

After seeing this thread I went to the AMEX pre qual site and for ONCE I have offers.

I opted back in in early jan and only Citi and Cap1 was sending me offers.

Amex finally pre qual @ 12.99 - their best rate

Ex 765  AAoA 6.2 no baddies

Waiting to hit EX:

• my PIF for 3 cards last week which would only leave 1 card (freedom) having a bal) 1 week ago
• sister added me as AU on her 5k freedom 1mo ago
• friend added me asAU on his 9k chase amazon last week.
• CLI amazon store 6k to 10k 2 weeks ago

Should I wait to apply for Amex (or Sallie Mae/TY) until any of these report? (Irish.. Nixon..?)

Also (sorry!)

The prequal site approved me for ED, EDP, PRGC.

Does anyone see any issue in apply for BCE instead?

[CreditCuriosity]

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@Anonymous wrote:

A miracle.

After seeing this thread I went to the AMEX pre qual site and for ONCE I have offers.

I opted back in in early jan and only Citi and Cap1 was sending me offers.

@Anonymous finally pre qual @ 12.99 - their best rate

Ex 765  AAoA 6.2 no baddies

Waiting to hit EX:

• my PIF for 3 cards last week which would only leave 1 card (freedom) having a bal) 1 week ago
• sister added me as AU on her 5k freedom 1mo ago
• friend added me asAU on his 9k chase amazon last week.
• CLI amazon store 6k to 10k 2 weeks ago

Should I wait to apply for Amex (or Sallie Mae/TY) until any of these report? (Irish.. Nixon..?)

Also (sorry!)

The prequal site approved me for ED, EDP, PRGC.

Does anyone see any issue in apply for BCE instead?

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BCE should be no problem with your scores.  As long as utilization is in check.

[Anonymous]

ok what about this part of the question ;-)  (p.s. uti is 5%)

Waiting to hit EX:

• my PIF for 3 cards last week which would only leave 1 card (freedom) having a bal) 1 week ago
• sister added me as AU on her 5k freedom 1mo ago
• friend added me asAU on his 9k chase amazon last week.
• CLI amazon store 6k to 10k 2 weeks ago

Should I wait to apply for Amex (or Sallie Mae/TY) until any of these report?