Amex Update!

[Thatficotho]

I’m just a little disappointed that whenever I’m logged in, the cash magnet completely disappears from me. I see it in incognito and check for prequal but it recognizes me as a member and asks me to log in then it disappears ☺️

[Caught750]

It should come back. If you know you're pre approved for it just don't log in and app for it.

[Anonymous]

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@frank784 wrote:

Does the "Expanding your membership with us is easy" mean that's a prequal or is that the opposite? On the chat window the rep told me that any of the featured cards are preapprovals as well but I'm not sure at all. 

Thanks

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Curious as well. I see "Applying to expand your membership with us is easy". Does that mean it's not a solid prequal?

[Caught750]

Expand your membership is NOT pre approval. *your first name*, you are pre approved; is a pre approval. Expand your membership will likely get a HP if approved. If denied there is no HP.

[Anonymous]

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@frank784 wrote:

Does the "Expanding your membership with us is easy" mean that's a prequal or is that the opposite? On the chat window the rep told me that any of the featured cards are preapprovals as well but I'm not sure at all. 

Thanks . 

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It means you are not pre-approved for that card.  If you were pre-approved, the message would say "Frank784, you are pre-approved!  Get a decision in as little as 30 seconds."

The "Expanding your membership" statement does not prevent you from applying but Amex will pull your Experian credit report.  When you're pre-approved they generally will approve the new card with just a soft pull.

[Anonymous]

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@Thatficotho wrote:
I’m just a little disappointed that whenever I’m logged in, the cash magnet completely disappears from me. I see it in incognito and check for prequal but it recognizes me as a member and asks me to log in then it disappears ☺️

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American Express has a dynamic website; if they feel you don't meet the qualifications for a particular card it will be removed from view when you log in.

There's an easy way to check this.  When not logged in you should see 18 personal Amex cards.  If you see less when logged in you don't yet meet the criteria for that card.

[Anonymous]

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@Caught750 wrote:
Expand your membership is NOT pre approval. *your first name*, you are pre approved; is a pre approval. Expand your membership will likely get a HP if approved. If denied there is no HP.

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Thank you for the confirmation. I guess I will wait for it to say "you are pre-approved". 

[Caught750]

Revolvers opened up for me around my 3rd statement and charge cards around my 6th. Give it time. Treat Amex well and they will shower you with cards and SLs once they warm up.

[SarahJo]

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@Anonymous wrote:

However don’t rely on just what cards appear in the list.  Just click on any card, hit the apply link and it will tell you if you’re prequalified 

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Thank you, Irish!  I've been wondering for quite some time how to define a solid Amex pre-qual, that "Apply Now" button is scary when you're in the garden!  :-)

[Anonymous]

Forgive me if this is too personal.. I see that you have 3 revolvers & your PRG. Did you app for these at the same time or did you start off with 1 and then wait for pre-approvals at the 3 and 6 month mark? 

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@Caught750 wrote:
Revolvers opened up for me around my 3rd statement and charge cards around my 6th. Give it time. Treat Amex well and they will shower you with cards and SLs once they warm up.

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