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Incognito Question

Regular Contributor

Incognito Question

So I'm pre-approved for the AMEX Hilton with 75K SUB after I logged in.  When I check on incognito mode before logging in I'm seeing 100K SUB but after I log in it goes away and changed to 75K SUB.  How do you use and apply incognito to get the bigger SUB?  Do you logged in first or do you just apply without logging in?  Thanks

AAoA 7yrs 6mos
Inquries: TU6/EQ5/EX6
Utilization: less than 15%
Mortgage
Auto Loan
Personal Loan
Derogatory: 2


Starting Scores FICO 8 (Aug '18):
EX- 585, TU- 583, EQ- 563
CURRENT SCORE UPDATED: 1/2019
Message 1 of 5
4 REPLIES
Senior Contributor

Re: Incognito Question

You apply while incognito. Amex sees you're a member and does a soft pull. Though, they've been catching on to this trick.






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Message 2 of 5
Regular Contributor

Re: Incognito Question

Thanks for the info.

AAoA 7yrs 6mos
Inquries: TU6/EQ5/EX6
Utilization: less than 15%
Mortgage
Auto Loan
Personal Loan
Derogatory: 2


Starting Scores FICO 8 (Aug '18):
EX- 585, TU- 583, EQ- 563
CURRENT SCORE UPDATED: 1/2019
Message 3 of 5
Contributor

Re: Incognito Question

You apply without logging in. Try a different browser (one from your usual) if you don't see the incognito SUB offer when using your main browser.

What does it mean Amex. Is catching on to this trick? They denying the higher SUB or something now?
Message 4 of 5
Senior Contributor

Re: Incognito Question


@bondsandloan wrote:
You apply without logging in. Try a different browser (one from your usual) if you don't see the incognito SUB offer when using your main browser.

What does it mean Amex. Is catching on to this trick? They denying the higher SUB or something now?

They're giving the SUB offered when logged in or outright not giving a SUB.






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Message 5 of 5