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Prequalify Question

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learningcredit101
Established Member

Prequalify Question

Hey guys so ive been going mainly on the amex webpage and citi to do the prequalification to see if i get any offers but theres never any offers for me. Does that mean that i wont get accepted if i apply for any of their cards?

Ex: 745
Macys: 2.5k
Wells fargo:2.6k
Amex Hilton Hhonors Surpass: 2k
Amex PRG: NPSL
Citi AA: 3.4k
Message 1 of 5
4 REPLIES 4
-NewGuy-
Moderator Emeritus

Re: Prequalify Question


@learningcredit101 wrote:

Hey guys so ive been going mainly on the amex webpage and citi to do the prequalification to see if i get any offers but theres never any offers for me. Does that mean that i wont get accepted if i apply for any of their cards?


No, not at all, just means that they don't have any offers. Certainly doesn't mean you won't get accepted. If the EX score in your sig is updated and correct, you have a good start with AMEX since that's who they pull. Do you know you AAoA, existing credit line information, etc?

Message 2 of 5
facutardeat
New Contributor

Re: Prequalify Question


@-NewGuy- wrote:

@learningcredit101 wrote:

Hey guys so ive been going mainly on the amex webpage and citi to do the prequalification to see if i get any offers but theres never any offers for me. Does that mean that i wont get accepted if i apply for any of their cards?


No, not at all, just means that they don't have any offers. Certainly doesn't mean you won't get accepted. If the EX score in your sig is updated and correct, you have a good start with AMEX since that's who they pull. Do you know you AAoA, existing credit line information, etc?


Will be following for the info here Smiley Happy

As of 5/23/14, via myFICO EQ 779 | TU 762 | EX 795

As of 5/22/14 Credit Sesame 746 | Credit Karma 754

AmEx EveryDay Preferred $2,000 | Chase Sapphire Preferred $11,000 | Chase Freedom $8,000 | BankAmericard Cash Rewards Platinum Plus $5,200
Message 3 of 5
ExplicitElicit
Established Contributor

Re: Prequalify Question


@learningcredit101 wrote:

Hey guys so ive been going mainly on the amex webpage and citi to do the prequalification to see if i get any offers but theres never any offers for me. Does that mean that i wont get accepted if i apply for any of their cards?


Monday I looked at Amex and was not pre-approved for anything, went ahead and applied anyways - APPROVED immediacy!

Message 4 of 5
-NewGuy-
Moderator Emeritus

Re: Prequalify Question


@ExplicitElicit wrote:

@learningcredit101 wrote:

Hey guys so ive been going mainly on the amex webpage and citi to do the prequalification to see if i get any offers but theres never any offers for me. Does that mean that i wont get accepted if i apply for any of their cards?


Monday I looked at Amex and was not pre-approved for anything, went ahead and applied anyways - APPROVED immediacy!


The pre-approval site should only be thought of as a bonus. If you are, that's great, but if you aren't, not a negative.

Message 5 of 5
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