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Amex Questions

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Established Member

Amex Questions

Got in with Amex w/ a Delta Blue ($1000 SL) a few months ago, at 61 days I tried for the 3x CLI, was denied. But I see I'm 'Pre-Approved' for all of their branded cards. I don't want to open another CC up until one of their prime ones open. Anyone have any experience on the length it normally takes for their prime cards to become 'Pre-Approved'? Really want that BCP for the grocery benefits Smiley Happy

Message 1 of 7
6 REPLIES 6
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Moderator

Re: Amex Questions

What was the reason cited for the CLI decline?

What do you define as 'prime ones' as far as AmEx cards?
Message 2 of 7
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Regular Contributor

Re: Amex Questions

It took 3 mths before I saw approvals for BCP and Everyday...the core revolvers. I didn’t try for 3x CLI at 61 days on my first Amex Delta because it was one of those with a $1K limit...I barely got back in after burning AMEX years ago. I did get 3x CLI on my 3rd Amex at 61 days.
Message 3 of 7
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Frequent Contributor

Re: Amex Questions

From my experience pre-approvals from AMEX are very score dependent.

 

650-680: Hilton and Delta Cards

690-710: Green, Gold, Platinum

720+: Cash Magnet, Blue Cash, Every Day

 

They hand the co-branded cards out like candy, roll out the carpet for the high AFs but keep the cost effective cards around for the most reliable.

Official travel point totals as of 6/20/20 (Goal Free Travel)
Chase Ultimate Rewards 174,345
AA Advantage 15,331
United MileagePlus 13,256
British Airways Avios 11,332
Expedia Points 2,763
NASA Platinum Rewards 1883
Southwest Rapid Rewards 1,000
Hilton Honors 481
AMEX Membership Rewards 310
Delta Sky Miles 123
World of Hyatt 4
Marriot Bonvoy 0
Hotels.com Rewards 6/10 ($135.99)

Official cashback as of 6/20/20 (Goal Fund Roth IRA)
Acorns 584.73
Retail Me Not 85.12
Top Cashback 39.08
DOSH App 35.72
PEI App 27.69
Raise Cash 27.49
Club Overstock 23.87
Mr. Rebates 14.65
NFCU Rewards 2.96
Discover 2.67

Other Point Category
Freebird 3,500
Samsung Rewards 2,796
Open Table 1,500
Message 4 of 7
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Valued Member

Re: Amex Questions

this is pretty true.

when filling out the prequalification app on amex site, i was prequalified for the everyday, blue cash, and delta.

expeiran fico score was 725 

amex pulls from experian when applying.

 


@Citylights18 wrote:

From my experience pre-approvals from AMEX are very score dependent.

 

650-680: Hilton and Delta Cards

690-710: Green, Gold, Platinum

720+: Cash Magnet, Blue Cash, Every Day

 

They hand the co-branded cards out like candy, roll out the carpet for the high AFs but keep the cost effective cards around for the most reliable.


 








Gardening Start 2/19/2020
Message 5 of 7
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Established Contributor

Re: Amex Questions


@Citylights18 wrote:

From my experience pre-approvals from AMEX are very score dependent.

 

650-680: Hilton and Delta Cards

690-710: Green, Gold, Platinum

720+: Cash Magnet, Blue Cash, Every Day

 

They hand the co-branded cards out like candy, roll out the carpet for the high AFs but keep the cost effective cards around for the most reliable.


DW received her Gold approval at a 630 EX Fico, I got the business version at 648.  So far no revolvers show up for her on either the personal or biz side but she does get prequals for Gold and Plat for business.  Both of our approvals were prequal.




Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = Very Low 400's
8-1-18 -
12-24-18 -
12-1-19 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, FuelMan .8K, Citi Tractor Supply Rev .8k, Builder Pro 5.4K, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG | AMEX Biz Gold NPSL
Message 6 of 7
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Regular Contributor

Re: Amex Questions

Assuming you mean one of the core revolvers when you say prime, it took 10 months for me. I got co-brands and charge cards with EX 660-670, core revolvers were pre-approved at EX 670-675. It took about 6 months for the charge cards to be pre-approved.

In my case, I don’t think score played a big role. My pre-approvals and SL/CLI seem to go by use/payment history with AMEX.

YMMV of course.
Message 7 of 7
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