Ok so I decided to look at the AmEx cards and thought the BCE looked pretty good so I went through the pre-qual form and welp look below.
I like the BCE but it's still not the Visa I really want. (The single gripe I have with my Disco is the acceptance rate, though I've only hit that a few times where I have to use my *shivers* debit card.)
You can see my signature for a bit about me; my Disco is still secured but I'm hoping for a graduation this month. I do have 2-3 HP's on each CR. I do want to app for the Chase FU soon too. Though it may be wiser to wait for a year on my oldest account... but if I get this card it'll mess with my AAoA. Lots to consider.
My two questions:
1) Are AmEx pre-quals solid? (If it makes a difference, it says specifically 17.49% for me and not the 13.49% - 23.49% on the main page)
2) I'm not even 21, so would it even be honored?
Thanks all!
@Anonymous wrote:Ok so I decided to look at the AmEx cards and thought the BCE looked pretty good so I went through the pre-qual form and welp look below.
I like the BCE but it's still not the Visa I really want. (The single gripe I have with my Disco is the acceptance rate, though I've only hit that a few times where I have to use my *shivers* debit card.)
You can see my signature for a bit about me; my Disco is still secured but I'm hoping for a graduation this month. I do have 2-3 HP's on each CR. I do want to app for the Chase FU soon too. Though it may be wiser to wait for a year on my oldest account... but if I get this card it'll mess with my AAoA. Lots to consider.
My two questions:
1) Are AmEx pre-quals solid? (If it makes a difference, it says specifically 17.49% for me and not the 13.49% - 23.49% on the main page)
2) I'm not even 21, so would it even be honored?
Thanks all!
1) Amex pre-qualify is very solid. It was for me just a week or so ago. I have not read where someone was denied responding to an offer.
2) I think as long as you are 18.
@Anonymous wrote:
1) Amex pre-qualify is very solid. It was for me just a week or so ago. I have not read where someone was denied responding to an offer.
2) I think as long as you are 18.
You making it a harder decision 
My biggest reason NOT to do this is that it'll hurt my AAoA and therefore I'll have to wait longer to app for the Chase FU. Then again, AmEx may grow a bit with some SP's and I'll get a better CL from Chase.
@Anonymous wrote:
@Anonymous wrote:
1) Amex pre-qualify is very solid. It was for me just a week or so ago. I have not read where someone was denied responding to an offer.
2) I think as long as you are 18.You making it a harder decision
Have you tried Chase pre-qualifier? It too is solid. https://www.chase.com/prequalified
@Anonymous wrote:Amex prequal is very solid. The great thing is if you are already a card holder and prequal for another amex card, there is no HP for the additional card. I think you will be fine. Good Luck!!
Good to know about the additional card although I don't see any other cards I'd be interested in. Funny that the only card I'm interested in is my only prequal...
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
1) Amex pre-qualify is very solid. It was for me just a week or so ago. I have not read where someone was denied responding to an offer.
2) I think as long as you are 18.You making it a harder decision
Have you tried Chase pre-qualifier? It too is solid. https://www.chase.com/prequalified
Yup, tried it again this morning and nothing. I logged in to check as well and nothing. Maybe I'll stop in the branch later today and ask there before I take any action with Amex.
Yeah Amex Prequal is very solid. Been helping my daughter establish her credit. She's had discovery it for students for about 7 months now (her one and only credit). She prequal'd for the BCE as well then app'd and got approved 5 days ago for $1K SL. Her card is on the way now. And yes she's only few months short of 19 and in college.
Congrats to your prequal and best of luck on your credit journey!
Congrats to your prequal and best of luck on your credit journey!
