I've read some posts how recently American Express started to accept people with thin files, but I'm not sure if I qualify as a "thin file. Click “See If You Pre-Qualify” on the Credit One website. 00% APR, are based on product type and creditworthiness, and will vary with the market based on the U. FYI, I did a little research and called their reconsideration line (800-567-1083). PREQUALIFY: Their identity is verified through a soft inquiry that doesn’t impact their credit bureau score, and then they may receive a prequalification offer for the CareCredit credit card. Once you do the pre-qualified stuff and it takes you to those 3 cards, click the menu and select "all cards". Fair / Poor / Bad / Limited Apply Now View Card Details. I ran out of patience and wai. I dont know how I got it or Amexs logic for determining who gets the offer. 5 flash sale Delta flights transferring 1 to 1 in their currency. American Express, Member FDIC, is one of the most popular credit card issuers in the world. Well yesterday I was in the market for a new card and checked my Pre-Approvals. I believe if you click "View all cards" it'll show all cards you might be prequalified for (they'll be marked if you prequalify). American Express, a premier financial institution, extends a diverse portfolio of services, inclusive of credit, debit, and charge cards, augmented by an assortment of travel-related provisions. Provides discounts on QuickBooks and TurboTax. Rates & Fees. Quite a few people are seeing a bonus of 100,000 points after $5,000 in spend when checking for pre-approved offers using CardMatch. However, premium cards like the American Express Gold card generally require good to excellent credit. Blue Cash Everyday® Card from American Express - best for cash-back beginners. All rights reserved. Find out which. Membership confers considerable advantages, incorporating distinctive rewards, preferential pricing structures, seamless customer service, and an array. I was wondering how accurate the prequal is. $75 - $125. $2,500 combined limit on 2% and 3% categories each quarter (then 1%)Prequalification for a loan is typically quick and can be done over the phone, online or in person. Choose between travel, cash back, rewards and more. How accurate is the amex pre-qual site? Reason asking is I input my info and it suggests Green, Gold & Everyday, but didn't want to waste - 3694057The easiest way to score a prequalified offer for a Credit One Bank credit card is by filling out the online form. I went through the Amex prequal site and was prequalified for the Everyday card. I was just checking the Amex prequal site (as I do sometimes when I have the urge to app) and this time I got back something different. Chase "too many applications for credit. 00% APR, are based on product type and creditworthiness, and will vary with the market based on the U. Find out the steps, benefits, and drawbacks of instant approval credit cards from American Express. [Z17#MëÅ~h •Í n =iµ~ : cÜÐ ¿þüûo Á¸û ´l‡Óåöx}~O¾YúýïÏ V³]3Ú&Ð8yˆî~ñ8öKÞq9Ñ Î” '‰4 pPR›«ý3SûÞÇŸ ÷. 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. Repeat. Hide Benefits. " I get a pop up for the Gold card with a ve. Wherever life leads. If you're wondering where the SPG credit cards from American Express are on the above chart, remember that those were converted to Bonvoy-branded cards. . 00% APR and will vary with the market based on the U. This helps ensure that everyone who applies for a credit card meets at least the minimum standards for approval. Last week got the 365 Amex, also with $500 cl. Sorry that you were denied again --probably best to wait until you've reduced balances and have fewer inquiries. Amex Gold (pers), since 2015. Filling out the online form is definitely the easiest way to get prequalified for a Citi card — but it’s not the only one. Whenever I logged into AMEX. You are going to probably qualify for every credit card they have - the charge cards are going to need some history, but start thinking about benefits and rewards. While there is no set score that will guarantee that you will be approved for an Amex card, you will generally need good to excellent credit to qualify for the best (premium) American Express cards. Sorry that you were denied again --probably best to wait until you've reduced balances and have fewer inquiries. So today I applied for the Platinum and was declined. Limit of 2 statement credits (total of $50). 0% intro APR on purchases for 12 months from. Reply . They basically gave me the same answer every time: Our evaluation of the inquiries on your credit rep. 705. 1x points per $1 spent on all other eligible purchases 8. To see if you're prequalified for an additional Amex card. Please read our credit card account agreement before you call. But I'm debating on BCE only because the cash back is better than Q. I'd expect Amex to keep one on a tight leash. Thought about waiting another week for another card that's paid off to show zero before applying, but. r/amex A chip A chipRe: Prequalified for Amex Platinum - 14 days. I used the AMEX pre qualifier page and it said. American Express® Gold Card: Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new card within the first six months of card membership. Good news! There is an offer on this card. if paid in full within 6 months on every purchase of $199 or more made with your Toyota Credit Card. In April I was getting PRG, EDP, and ED, then in May it changed to EDP, ED, and BCE. Yes, the Amex Gold card does have pre-approval. Mission Lane - $1,100. In my experience the prequal has been solid. After that, purchase APR of 21. Re: New AmEx Pre-Qualify Tool for Business Cards. I got 3 offers for cards I was not interest in. Minimum payments are required for each. Re: Amex Pre-Qualify. Hilton Honors American Express Card: Best for Hilton Honors Silver status. Special Financing: Special financing options are available on purchases of $150 or more. Is that 125k SUB enough to get me off t. Current Score:=03-02-21 EQ: 657 TU: 682 EX: 689. One place to check for American Express prequalified and preapproved offers is on CardMatch™, a tool offered here on CreditCards. 3. NEW YORK--(BUSINESS WIRE)-- American Express (NYSE: AXP) today announced that it is piloting a new application experience for its U. Get pre-approved for a Capital One credit card with no impact on your credit score. You can also prequalify for personal loans with a tool like Experian CreditMatch™, which aggregates information from various lenders all in one place. This can help you filter and compare pre-qualified offers for The Platinum Card® from American Express and the American Express® Gold Card — and in some. @Horseshoez . American Express personal Platinum card of 150,000 points after $6,000 in spend within the first three months when checking their prequalified offers. This credit card program is issued and administered by Credit One Bank, pursuant to a license from American Express. Read: Get Your Credit Score on Track With These 3 Tips for Success Because of this exclusivity, the chances of getting. 6k - Chase Bonvoy Boundless $10k - Chase United Club Infinite $26k - Citi DC $14. DP included BK7 4. We would like to show you a description here but the site won’t allow us. Instead, you can view our full offering of Citi credit cards here. 15% to 31. You just need to enter basic personal information such as your name and address, as well as the last four digits of your social security number to check your offers. As we conclude our guide “Chase Pre-Approval: 6 Best Offers to Prequalify (Nov. The Platinum Card® from American Express: Best for luxury travel perks. Other than the pages looking different, is there actually any difference? Anyone with - 6341313Wander For More Rewarding Travel. Expiration Date . -easily my first choice, but would be my first AMEX and isn't exactly the card I received the rsvp for. Earn 10,000 bonus points after spending $1,000 on eligible purchases in the first 90 days from your account opening that can be redeemed for a $100 statement credit, gift cards, or travel†Hi folks, I have a quick question. Re: AMEX pre qual; plz let me know if this is legit. In general credit card companies will purchase data from one of the credit bureaus to base their pre-approval offers on. When I check prequal page for AMEX, I am now shown Hilton Honors and Delta. You should be good if you're pre-qualified and especially if your score is above 670, but ppl have qualified with lower scores. Earn 3X points on your first $150K/year in spending on several business expense categories + a generous welcome bonus. Date of Birth (MM/DD/YYYY)*. My income is. Citibank Credit Cards With Soft-Pull Preapproval. 01, 2023. Karen Moroz, WalletHub Mortgage Analyst. Hide Benefits. Discover IT Cashback. 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. The credit card application process breaks down into a few basic steps: 1. 24% will apply. See our full range of credit card offerings here. See rates, fees & rewards for Enjoy Beyond credit card. (yes, I know these suck)I had a prequal last month for AMEX Platinum with the elusive 100k SUB, so I submitted an app only to be auto-denied due to being on their blacklist for a $3,300 CO from 2009 on an OBC card. 4 2 Points per $1 Spent (Silver): Macy’s Credit Cards with Silver status earn 2 points per $1 spent on Rewards-Earning Purchases at Macy’s, Macy’s Backstage, and macys. I rarely apply for new cards, which I think also plays into it. If it says you are "Pre-approved" you will very likely be approved. 1 0. You’ll be informed. Check to see if you are prequalified online. Experian Fico 8. Best for Cash-back business card. American Express Pre Qualified, then they denied? AMEX. Penalty Fees: Late Payment. 24%, 25. posted 5/14/20. . Thank you for your interest in Citi credit cards. 24% on balance transfers and purchases after the introductory period ends. Thanks all for the advice, since missing the Chase Southwest companion pass SUB, I decided to go AMEX. Business credit is excellent and deep with 4 year history at D&B and EX (82. Post FRB, charged another ~$1000 and paid off immediately. Re: Different Amex pre-qualification pages =different results. This can make the prequalification process easier. 5. NEW YORK--(BUSINESS WIRE)-- American Express (NYSE: AXP) today announced that it is piloting a new application experience for its U. . Savings Accounts; Send Money & Split Purchases: Venmo and PayPal; Membership Rewards® Point. These special offers are only available here. . Then it was showing bc and the blue card also 1 more can't remember them. After this time, the variable regular APR of 17. Up to $40 (the amount of the fee varies by state, see below) Returned Payment. About 10 Months ago I was approved for the Capital One Platinum Card and it was my first Credit Card. Choose your own bonus category. Re: Odds of Amex approval. American Express Platinum 100K Offer : r/CreditCards. Live and earn. With your CSR it gives you an 1. I went to AMEX to try and prequal for a travel card and they offered me a green card. 12 equal monthly payments on purchases of $600 9. [Z17#MëÅ~h •Í n =iµ~ : cÜÐ ¿þüûo Á¸û ´l‡Óåöx}~O¾YúýïÏ V³]3Ú&Ð8yˆî~ñ8öKÞq9Ñ Î” '‰4 pPR›«ý3SûÞÇŸ ÷. The Delta SkyMiles Business AMEX was my most recent acquisition as well -- I fell for the 747 promotion, at the last possible moment, before the offer expired. 24%, or 29. Share. Updated: November 14, 2023. Learn how to get preapproval, what to consider on preapproved offers, and how to increase your odds of being preapproved. Approved for BC with a $1,400 SL and 18. Pre-Approval Denied. this are not truly prequal offers but they should carry a much better likelihood of approval than credit karma’s completely random. Equifax Fico 8. In this review of pre-approved credit cards by issuer, we describe how to get a credit card with a minimum of fuss. Prescreened offers show up in your mailbox because lenders are working to identify consumers who qualify for. You should be good if you're pre-qualified and especially if your score is above 670, but ppl have qualified with lower scores. Thanks to Doctor of Credit for the info. If you decide to app for Hilton and get approved, you can pick up the Amex Gold charge card too with the same HP. 2023)“, we hope the topics we’ve discussed have helped you along in your financial journey: Apply Directly for the Card You Prefer. 99% on purchases of $500 or more for 6 months or $1000 or more for 12 months or $2500 or more for 24 months made with your IKEA Projekt Credit Card. You can prequalify for the Capital One Platinum Secured Credit Card in about a minute by filling out a short form. Get a 0% intro APR for 15 months on purchases. It's easy to accept your credit card offer from U. This credit card program is issued and administered by Credit One Bank, pursuant to a license from American Express. Business Credit Cards. If you aren’t offered an introductory rate. If the screen pops up saying "Shadeestill, you are preapproved" that's a prequal and a good indication you'd be approved. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary. On the page, you’ll be asked to provide some personal information like your full name, mailing address, email address, date of. Calls and messages may incur access fees from your cellular provider. N/A. As a matter of fact, i never get pre-qualified offers for anything in any sites (Citi, Barclays, US Bank, AMEX), but still approved for all the cards i have. If you log into an existing American Express account, your credit score may be impacted upon submission of your application. Made me feel like an illegal alien :/ Anyway, this is what it says on the offer so I am hesitant to appy. Fill out the prequalification form to see how much you can finance based on your income & credit even before car shopping. APY is applied on account balances up to $500,000. If you find pre-approved credit card offers annoying, there is a way to stop receiving them. You will need to submit a full application for American Express to review before they make a final decision. Established Contributor Mark as New; Bookmark; Subscribe; Mute. I was in my account today and clicked on "Check for prequalified offers. 74% (Variable) $0. The hotels have to be booked on amextravel which limits price. About American Express; Investor Relations; Careers; Global Network; Contact Us; Amex Mobile App; Products & Services. For security reasons, we must verify contact information before saving it to your profile. Everywhere. Getaway by FNBO ® Credit Card. After that, purchase APR of 21. Credit Cards. You can pre-qualify, meet the above criteria. While this seems like a temporary measure due to COVID-19, you’ll need to apply for Citi cards without getting pre-qualified until the page is functioning. Your Card will never be charged a membership fee. American Express has an online pre-approval page where potential applicants can quickly check their odds of approval for certain American Express credit cards before they actually apply for one. Citi Credit Card - Check Pre-Screened Card. More credit card issuers have started offering prequalification tools, where, typically, the issuer will ask you to provide some basic personal information. Check to see if you're prequalified for Plat 100k through amex prequal page or cardmatch. . If a patient pre-qualifies, but isn’t instantly approved, please ask them to call the Account Protection Team at (800) 888-1726. Prequalification is a way for you to see if you’ll be approved for a Mission Lane Visa® Credit Card without a hard credit check. @OmarGB9 wrote: Yes Amex prequals are pretty solid, though of course not guaranteed. org;Whats everyones experience with the prequals for AMEX? Cap1 QuickSilver $3,800 / Cap1 QuicksilverONE $1,100 / AMEX BCE $500, AMEX Hilton Honors Surpass $1,000 ,Express $1,700 / Chase Amazon Prime Visa $3,000, Chase Freedom Unlimited $4,000 / Discover IT $500 / Credit One $600 / First Premier $700 / First Premier $650 /. $12,000. The Gold Delta and 2 of the Hilton cards. © 2023 Kohl’s, Inc. Use a pre-approval tool: Many card issuers offer pre-approval or pre-qualification tools that can give you a good idea of whether or not you’re eligible for their credit cards. To pre-qualify for an Amex credit card, you need to visit their pre-qualification page and enter information such as: The last four digits of your Social Security number (SSN). Preferred Cash Rewards Visa Signature ® Credit Card. 49% - 29. Check to see if you are prequalified online. Since then, I've PIF for the CO hoping to get back in Amex's good grace and get another prequal for the 100k SUB in a few months (if not sooner). Our decision will be based on a variety of factors, including information you provide on your application, as well as information from other sources such as the credit bureaus. Preapproval is an in-depth look at your candidacy for a card in the Amex portfolio. The process involves the card issuer reviewing some basic information about you and your credit file to see if you're a good fit. My VantageScore 3. This is where a pre-qualification tool can come in handy. The offer will include a 14-digit American Express Platinum card RSVP code, which you should provide if you apply for. American Express. Best for Cash-back business card. For example, if you’ve got good credit or carrying around $10,000 in credit card debt, you could receive a mailer encouraging you to consolidate $10,000 worth of debt onto a balance transfer. Hide Benefits. 3x points per $1 spent on airfare, hotels, and car rentals. 3 authorized credit cards 3 years old (Amex, Capital One and Synchrony) with perfect on-time payments/history, $15,000 total credit and 4% credit utilization. Contactless Cards – The security of a chip card, with the convenience of a tap. Expand user menu Open settings menu. However, the Amazon Store. Regardless, Good luck if you decide to apply!! July 2020. I have one collection for $60 AAoA less than 1y. 2 student loans 93% paid off. For example, if you’ve got good credit or carrying around $10,000 in credit card debt, you could receive a mailer encouraging you to consolidate $10,000 worth of debt onto a balance transfer. 5 years in. UPDATE: I GOT MY SPG!!! There's more to the Exp mystery. In shock and disbelief, I jump all over. As a matter of fact, i never get pre-qualified offers for anything in any sites (Citi, Barclays, US Bank, AMEX), but still approved for all the cards i have. Quickly and easily check your eligibility for an American Express Card in less than 60 seconds, without any damage to your credit score. Message 10 of 25. Cards that were offere. With an American Express Business Line of Credit, get fast and flexible access to business funding – draw from a line of. 28. Alternative Link for Amex Enhanced Offers (Pre-Qualified) TL;DR Amex chat rep provided the link below to pull up Amex pre-qual offers (slight spelling variations to avoid login prompt) that I wasn't able to pull up on the standard "check for offers" page. In addition to the 6-year-old collection from a doctor I don't know, there was a massive (~74% util on a nearly 30K card) account showing as paid, yet outstanding. Discover. Wanted to get the BCP, tried for that and was approved 22K. Message 8 of 8. Yes. Easily check if you are prequalified for a credit card offer from Wells Fargo with no impact to your credit score. After your submit, one of the following things will happen: You’ll be approved. " (Language from the site. Call now. I have heard from some that it is fairly accurate. Yes, the Blue Delta SkyMiles Credit Card does have pre-approval. 2x points per $1 spent on dining. Existing Amex Cards: MS 2015. Current 2023 FICO 8 score - 760 (EX) 758 (TU) 762 (EQ) (FICO 9s seem to be significantly higher)Products & Services. 99 9. Transunion Fico 8. PNC poop points- $4,500. Best preapproval card welcome bonus Discover it® Cash Back. An alternative is Amex. I'm going to have a piece of humble pie and will likely be eating my words about not wanting to have or deal with AmEx. See if you pre-qualify for a Credit One Bank American Express Card today! Unlimited cash back rewards on all purchases. " If one of the "offers" listed for you is an offer for a new card, that is more or less a preapproval indication. Can I pre-qualify for American Express cards? American Express offers pre-qualification for some of its cards. Hi guys, Have been working on rebuilding this year. Open the main menu. Special Financing: Special financing options are available on purchases of $150 or more. So I was casually scrolling though the AMEX website (non incognito) this morning and saw the 100K offer pop up for me. I know AMEX is pretty strict, do they have any rules like Chase? Credit Karma keeps telling me to go for the Blue Cash card, but i dont - 5173654AmEx offered me the 100k sign-up bonus for about 3 years before I finally accepted it. Step 1: Go to the Amex website. If you’re a frequent traveler looking for a low maintenance travel credit card with no annual fee, the Bank of America® Travel Rewards. com purchases, at 0% APR, over the financing offer period. Re: AMEX Prequal site As long as there is no BK in the past 5 years, no previous bad experience with Amex, and your Experian FICO 08 scores are decent (mid 600s), those should be very solid offers. But I also see that Resy's current offer is 125,000 Rewards Points but with 10x points on money spent at Restaurants. Reply . Re: Amex - Offers. So I was casually scrolling though the AMEX website (non incognito) this morning and saw the 100K offer pop up for me. Prequal for Platinum charge card, and was approved at 100,000 point and 10x grocery & gas points for six months with $5k spend in six months. If we are unable to match you to a Milestone Mastercard ®, we may pre-qualify you for a credit card issued by another bank. Went over to the Amex pre-qual site and fi. Tonight it said I prequalified for delta sky miles gold, blue, and platinum. Re: AMEX Prequal vs Cardmatch Tool Prequal. We found the following pre-qual offers for you. 29. Q. Know your profile. You can also go directly to an issuer’s site to see if you prequalify for a card. Lower your interest rate by 2% each year. By clicking 'See Card Offers' button below, you (i) acknowledge that you are providing 'written instructions' and authorize Credit One Bank to obtain information from your personal credit profile from one or more credit reporting agencies in order to conduct a pre-qualification for credit and (ii) you authorize. The best we've seen in the past on this card is a prequalified offer is for 100k, this one is obviously significantly better. I've checked this before and had no offers, but today I saw this. I just happened to be checking pre-qual sites for kicks and pre-qual'd for an AMEX Gold. Apply for a credit card online. While those with a low credit score, missed payments, and low income, may be more limited in the type of card they can get. Annual Fee $0. A 3% fee applies to all balance transfers. 24 percent to 28. Check out these tips for getting pre-approved by Credit One Bank. Prime Rate. Both will determine whether you are eligible to be a cardholder, but a prequalification is typically generated by the member, while the. I have heard from some that it is fairly accurate. the credit card section of the chase website, this is the third link in the left sidebar (screenshot below). Wyndham Rewards Earner® Card: Best for balance transfers. Accept Amex Cards; Refer A Friend; Additional Information. Delta SkyMiles® Reserve American Express Card – Best Airline Miles Welcome Offer. For example, the higher the credit score, the more likely a company will get approved on its. Looking forward to all the YouTubers jumping on to defend the price hike and still say it’s a “great deal” and the MR points system makes it worth it. I just paid 60k+ debt, after holding 98% across all my cards for 3 years. 29. If you receive a credit card offer in the mail saying you've been preapproved, it means you've been prescreened with a soft inquiry but will still need to apply and have a full credit check to actually be approved. Earn unlimited 2% cash rewards on purchases. 00% APR and will vary with the market based on the U. S. In shock and disbelief, I jump all over. Lowes Advantage card - $10,000. TBD. 74% (Variable) $0. I added the DP below. (Start at message number one in thread for the prequalification discussion. 6 View rates and fees for more details. It showed the. I've checked this before and had no offers, but today I saw this. You can also apply for a Bank of America credit card over the phone by calling 800-932-2775. At the time of application for BCE my exp fico was 734 with 3-4% uti. After going through the prompts, I got the following recording: "We cannot your approve your application at this time because American Express canceled your previous account for an outstanding balance" Then it offers to write them a snail mail letter (lol) at their physical address. Many credit card issuers offer preapproval and prequalification. Just because you dont have a prequal doesnt mean you cant be approved. 24 percent variable. Regular APR: 18. supermarkets (up to $6,000 per year, then 1 percent); 2 percent cash. AMEX prequal page is not 100% ironclad and there have been denials, even without a history of ever burning them or being on a blacklist. I've never been denied a credit card app until now! Letter in mail stated reason due to previous acct, so looks like I'm blacklisted as well! I've read through your experiences of continued denials due to previous account charge offs etc but was excited to see others. The American Express Blue Business Cash™ Card. So I was lucky enough to receive a Prequal offer of 150,000 Rewards points in the first 6 months. Membership Rewards; FICO® Score and Insights;I received an Amex pre-approval for the Business Gold Card even though I currently have one open! Watch me apply for a second time to see what happens! Cli. Chase isn’t responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name. S. Different credit cards will have different minimum. Sign in to access your Credit One Bank account to pay your bill, view your statements or see your eligible offers. Limited, Bad. - 4512394If it helps, I stalked the AMEX prequal page for a couple months before I was offered anything but the Platinum. Amex is still not approving bk prior to 5yr mark filing date? (filed 6/7/14) I just checked page and it's showing a pre-qual card. so I applied for gold and got approved. Confirm in a few taps, in the Amex App or online. 99% on purchases of $500 or more for 6 months or $1000 or more for 12 months or $2500 or more for 24 months made with your IKEA Projekt Credit Card. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to a 3% cash back reward! ** Good anywhere Mastercard ® is accepted, it’s the go-to card for any lifestyle. Message 7 of 15. / /. So I been itching to apply for Amex(I would like to apply in January for one) and not sure if I will be approved my Inq's are what worry me, here is what my Credit looks like: Experian Fico:767 Revolving Credit to Debt: 1%(135/13000) Paid in full every month 5 days after statement cuts. The short version is go for it and be careful at which merchants you use it. 7. With Amex, “prequalified” offers are cards that are tailored to an applicant’s credit profile based on a soft pull to their credit. Discover new favorites, shipped fast & free. This thread may be of help to others. Build your credit with responsible use. S. Message 2 of 4. Interest will be charged to your Account from the end of the promotional period on any remaining promotional plan balance. Lower your interest rate by 2% each year. I was hoping to get a BCP. . 3/2018 - Prequal BCE - approved $1K. Delta SkyMiles® Reserve American Express Card - best for sky club access. APY is subject to change at any time without notice before and after a Business Checking account is opened. 49% - 27. . Review your information and apply. Yes, American Express does have pre-approval. 24 equal monthly payments on select purchases 9. S. N/A. 24% Standard. Navy Federal credit card pre-approvals do not affect your credit score, as they’re done using a soft "pull", or inquiry. Message 3 of 27 2 Kudos CivalV. We have found the following special Card offers for you.