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Why I don’t get pre approval offers

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Community Leader
Senior Contributor

Re: Why I don’t get pre approval offers

OP, I don't know why you're not getting any preapprovals, but when I got my first AmX, I didn't check the prequal site. I just applied and was approved for $15K. From the stats you have posted, you should have no problem getting approved. 

 

GL2U

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 11 of 26
Senior Contributor

Re: Why I don’t get pre approval offers


@123-xavier777 wrote:
I tried on the amex website the pre approval offers but always the system says that don’t have any offers for me my fico 8 on ex 766, Eq 752, Tras 754 average age is 4 years 2 months and my fico 8 bank cards is ex 774

1) have you opted out of offers?

2) are you credit reports frozen or Locked?

3) any fraud alerts?

 

i think that the great myFICO posters have covered everything else.

Message 12 of 26
Established Member

Re: Why I don’t get pre approval offers

Yes my credit is locked and have a freeze on TransUnion but that matter to get pre approval offers?
Message 13 of 26
Moderator

Re: Why I don’t get pre approval offers


@123-xavier777 wrote:
Yes my credit is locked and have a freeze on TransUnion but that matter to get pre approval offers?

It does if you do not already have a relationship with the lender (and even then it can be problematic).


Message 14 of 26
Regular Contributor

Re: Why I don’t get pre approval offers


@123-xavier777 wrote:
I tried on the amex website the pre approval offers but always the system says that don’t have any offers for me my fico 8 on ex 766, Eq 752, Tras 754 average age is 4 years 2 months and my fico 8 bank cards is ex 774

Several members have reported that opting out of pre-screened offers affected those prequal pages as well

FICO 8
Eq - 673
Ex - 663
Tr - 685

Capital One Quicksilver - $1950 || Care Credit - $9600 || Costco Citi - $5500 || Redstone FCU Secured - $350 || Chase FU - $2800
Message 15 of 26
Valued Member

Re: Why I don’t get pre approval offers


@123-xavier777 wrote:
I tried on the amex website the pre approval offers but always the system says that don’t have any offers for me my fico 8 on ex 766, Eq 752, Tras 754 average age is 4 years 2 months and my fico 8 bank cards is ex 774

As others have said, I would try submitting a cold application. Given your scores, you should have a good chance of approval. I wasn't pre-approved for my Amex BCE and was approved with an EX score of 772.



As of 7/11/19




Message 16 of 26
Valued Member

Re: Why I don’t get pre approval offers


@123-xavier777 wrote:
Yes my credit is locked and have a freeze on TransUnion but that matter to get pre approval offers?

Unlock your accounts and you should be fine. My account was locked when I first checked AmEx for preapproval. I got the nothing. Remembered I had my Experian locked. Unlocked and tried again. Voila, I got preapproved. 


Message 17 of 26
Senior Contributor

Re: Why I don’t get pre approval offers


@123-xavier777 wrote:
Yes my credit is locked and have a freeze on TransUnion but that matter to get pre approval offers?

Unlock your file and you should be good to go.

American Express: Platinum Charge, Optima, Business Gold
Barclays: Arrival+ WEMC
Capital One: Savor WMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (9.3.19) EX: 824 / EQ: 834 / TU: 832
Message 18 of 26
Established Member

Re: Why I don’t get pre approval offers

Thanks all I will tried that and let you now
Message 19 of 26
Community Leader
Super Contributor

Re: Why I don’t get pre approval offers


@KJinNC wrote:

Just making sure, you've never burned Amex in the past? Even, say, 15 years ago? The reputation is that Amex holds grudges for a LONG time.

 

If not, I suspect it's a glitch with their site, as there is no reason you shouldn't be preapproved, or approved.


Preapprovals are not guaranteed  nor are prequals. Ive had a relationship with Amex at one point or another these past 20 years and ive never had a preapprovsl on their site , regardless of credit score. One factor is if if youve placed fraud alerts on your CRs that will take you off the list to receive credit offers. Other than that,  one doesnt need to have a preapproval offer to actually be approved. There are people who actually still get denied even with a preapproval. YMMV alwaysSmiley Happy

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Message 20 of 26
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