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Amex "Pre-Approved" Question

Established Contributor

Amex "Pre-Approved" Question

While logged into my Amex CC account, I noticed that I'm "Pre-Approved" for three charge card products:



  • Green Card
  • Gold Card
  • Platinum Card



Since I'm "Pre-Approved," would I incur an inquiry if I applies for one of these cards?

Message 1 of 4
Established Contributor

Re: Amex "Pre-Approved" Question

Yes you will still incur an inquiry.

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Message 2 of 4
Regular Contributor

Re: Amex "Pre-Approved" Question

Since you have a Zync already I believe it would be considered a product change which would not require a hard inquiry.

If you apply for a credit card then that would require a hard hit.

Message 3 of 4
Established Contributor

Re: Amex "Pre-Approved" Question

@ty101 --


My wife has Zync. I have three CCs (Blue Cash, Cash Rebate, HHonors), though I have reasons that I'm interested in potentially getting a charge product.

Message 4 of 4