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Amex prequalification site. Response made me LOL.

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CreditMarathoner
Frequent Contributor

Amex prequalification site. Response made me LOL.

I was perusing the Amex site looking at the cards.  Now I'm not interested in applying for any, but I saw a button to prequalify so out of curiosity I clicked it and filled out the relevant info.  It spun for a few seconds, and came back with the screenshot below.

 

Really?  I might be able to prequalify for a card at CREDIT ONE?  I guess my 25+ year old profile with 800+ FICO8 scores aren't good enough for Amex.  Or maybe one can't prequal with frozen reports?  Or their prequal site be broke?

 

I just had to chuckle at the offer for Credit One.

amex prequal.jpg

    
Open Tradelines: 4 Revolvers, 1 Mortgage / Garden Start Date: 10/1/2021 / Garden Goal: don't have one right now
TCL: $26,500 / AAoA: 8y6m / AoYA: 1y5m / Inqs: 1EX 0TU 1EQ / FICO8 Feb 2023: 848(TU) 843(EX)
7 REPLIES 7
learningcredit54
Regular Contributor

Re: Amex prequalification site. Response made me LOL.

I must admit that this is SUPER odd. A nice score with a nice history should easily let you get your pick out of the Amex cards. Has to be an error.

Business Cards:
Amex Business Plus: 6000 // Amex Business Hilton Honors: 3000 // Amex Delta Gold: 4900 // Amex Business Platinum NPSL POT 5000 // Amex Business Gold NPSL POT 15000

Personal Cards:
Discover It Cash Back: 8000 // Chase Saphire Preferred: 5000 // Truist Enjoy Beyond: 4500 // Amex Blue Cash Preferred: 1000 // Cap1SavorOne: 2000 // Cap1 Secured Platinum: 200 // Cap1 QuiksilverOne 2000 // Citi Double Cash: 5200 // Amex Platinum NPSL POT 4000 // Amex Gold NPSL POT 1750


GOAL SCORES 750 ACROSS
Message 2 of 8
MarkintheHV
Frequent Contributor

Re: Amex prequalification site. Response made me LOL.

They did that to me once.  I suspected that my credit reports might have been frozen, but not for sure.  A month later I got approved for BCP.

 

I too laughed when I got that screen.

What's in my wallet? - NFCU Flagship - 80k | AmEx Delta Reserve - $71k | Citi AA Executive 37k
Message 3 of 8
Credit12Fico
Established Contributor

Re: Amex prequalification site. Response made me LOL.

Smiley Happy

Message 4 of 8
Traveler101
Established Contributor

Re: Amex prequalification site. Response made me LOL.

You need to unthaw exp at the very least for amex pequal. They have been known to pull ex and tu if you accept the offer. It's a sp prequal.

Message 5 of 8
CreditMarathoner
Frequent Contributor

Re: Amex prequalification site. Response made me LOL.

After doing some googling I figured it was because of my frozen reports.  Oh well, it keeps me in the garden.

 

I just thought the response with the mention of Credit One to be amusing.  A message to say that prequals aren't available because of a freeze would have been informative, but maybe they don't disclose that for security reasons.

 

 

    
Open Tradelines: 4 Revolvers, 1 Mortgage / Garden Start Date: 10/1/2021 / Garden Goal: don't have one right now
TCL: $26,500 / AAoA: 8y6m / AoYA: 1y5m / Inqs: 1EX 0TU 1EQ / FICO8 Feb 2023: 848(TU) 843(EX)
Message 6 of 8
mfinsmi1
Established Contributor

Re: Amex prequalification site. Response made me LOL.

i am SHOCKED they are promoting credit one on their website - u go from the platinum card to the credit one card , total opposite ends of the spectrum lmao 

Personal Cards (Over $100k):

Business Cards:

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current 1/6/23

Stats: : 3/6; 8/12; 17/24 --- AAoA 3 YRS, 8 MO --- INQ: EX-6/TU-7/EQ-2
Message 7 of 8
Credit12Fico
Established Contributor

Re: Amex prequalification site. Response made me LOL.


@mfinsmi1 wrote:

i am SHOCKED they are promoting credit one on their website - u go from the platinum card to the credit one card , total opposite ends of the spectrum lmao 


Amex card network. So Amex is getting swipe fees no matter how prime the customer is. 

Message 8 of 8
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