When you Google Amex pre-qualification two separate ones appear. The American Express Blue Business Cash™ Card. The credit cards you qualify for depend on your credit score, your credit history, and your income. Hilton Honors American Express Card: Best for Hilton Honors Silver status. Just because you dont have a prequal doesnt mean you cant be approved. Should I try an offer on what I'm pre-qual'd for to get my foot in the door with them (I want to join the AMEX club); or just try for the BCP. Pre-Approval Denied. If they see your profile riddled with short-lived accounts, you start to fit the profile of someone who will just take the bonus and leave rather than run a lot of spend through it. 8/17 - At about 35% UTIL overall and 30% on AMEX BC Experian FICO 8 - 675. it was instant approval. Show Benefits. Interest will be charged to. . *. Sorry that you were denied again --probably best to wait until you've reduced balances and have fewer inquiries. Message 3 of 10. Message 4 of 15. Blue Business Plus Credit Card from American Express: Best instant approval business credit card for a good 0% intro rate. 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. Different credit cards will have different minimum. You could wait until your score is near 700 and have a solid APR offer. 24% – 28. Choose your own bonus category. Submit Cancel. On the page, you’ll be asked to provide some personal information like your full name, mailing address, email address, date of. (9/2023) FICO 8 (EX) 825 (TU) 841 (EQ) 848. Pay equal monthly payments on Amazon. For an Amex card with good cash back rates, the BCE (no AF), BCP ($95 fee but more perks and higher cash back) or the Bread Financial 2% no AF cashback Amex card would likely be better choices. Re: Odds of Amex approval. CNET Rating. That means you could earn 1. Made me feel like an illegal alien :/ Anyway, this is what it says on the offer so I am hesitant to appy. Only $1k but I'm ok with that. You can also apply for a Bank of America credit card over the phone by calling 800-932-2775. Confirm in a few taps, in the Amex App or online. S. 🤓 Nerdy Tip. I have one collection for $60 AAoA less than 1y. 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. Explore Offers. 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. This helps ensure that everyone who applies for a credit card meets at least the minimum standards for approval. Current American Express customers may also receive pre-approved offers periodically by e-mail or when. These processes. N/A. What is everyone's thought on this card? I've been looking at getting an Amex card. Easily check if you are prequalified for a credit card offer from Wells Fargo with no impact to your credit score. Submit Cancel. . Annual Fee $0. Today while browsing credit karma, I noticed one of their ads that said my approval odds was “fair” Amex EveryDay and this was a first so I got curious. Yes, the Hilton Credit Card does have pre-approval. I’ve been on AMEX’s pre-qual tool every now and then. Capital One Savor Cash Rewards Credit Card. Get a 0% intro APR for 15 months on purchases. Current American Express customers may also receive pre-approved. Step 4: Submit your information. However, premium cards like the American Express Gold card generally require good to excellent credit. e. The offer will include a 14-digit American Express Platinum card RSVP code, which you should provide if you apply for. 265. Savings Accounts; Send Money & Split Purchases: Venmo and PayPal; Membership Rewards® Point Summary; Tools and Support. I check the pre-qual sites pretty regularly. Equifax Fico 8. 5k - Penfed Gold - $12. American Express Pre Qualified, then they denied? AMEX. Waiting for everything to report before I ask for CLI and or app for some cards. I currently don't have amex but I did try this a few months back and I was denied. S. The issuer only extends Amazon Credit Card pre-approved offers via mail or e-mail, or to existing customers through their online account. BK7 d/c 2014Other ways to prequalify for Citi cards. TU:836 07/20/23 Bank of America--EX: 841 08/23/23 Experian--EQ:832 08/21/23 myFICO--Gardening since N/A. "some DP, I applied and got approved for NFCU MR Amex and Chase Amazon Prime on same day. More credit card issuers have started offering prequalification tools, where, typically, the issuer will ask you to provide some basic personal information. 5. 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. 24 percent; balance transfer. My income is. Lowes Advantage card - $10,000. Anyone interested in applying will have to do so without the benefit of checking for pre-approval beforehand. I waited a little longer until my Exp score hit the 690's before I app'd for the BCP. 5k. The AmEx prequal is actually a very solid one unless you have extenuating reported information. PNC cash rewards signature Visa. 00 - as well as gave me a reference number, payment. . Click “Show me my offers” to view any pre-qualified offers. -easily my first choice, but would be my first AMEX and isn't exactly the card I received the rsvp for. The Platinum Card® from American Express: Best for luxury travel perks. The problem with the AMEX Platinum is its only 5x on flights & hotels. 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. Earn Unlimited 2% CASH BACK 2 on every purchase. I finally pulled the trigger on the Amex prequal via 2 soft pulls 90 days. for the Card you want. Current 2023 FICO 8 score - 760 (EX) 758 (TU) 762 (EQ) (FICO 9s seem to be significantly higher)Products & Services. To avail the pre-approved offer, you must create an American Express Business Blueprint™ account using your American Express username and password. Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment. 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. Raise your credit limit. For the life of me, I haven't been able to pull up any of the Amex incognito or pre-qual. Up to $40 (the amount of the fee varies by state, see below) Earn 10,000 bonus points with the JetBlue Card after you spend $1,000 on purchases in the first 90 days! $0 Annual Fee. Experian Fico 8. 6 equal monthly payments on purchases between $50 and $599. Chase slate (AU) - $3,000. You can check to see if you’re targeted for Amex qualified offers in four easy steps. - The Mercedes-Benz Credit Card from American Express (10k MR for $1000), 15. com. Credit card applications originating from this page will result in a hard credit inquiry. This could be complete data (such as a credit score) or a specific data requirement (such as people over the age of 30 within the 90210 zip code), let’s use an example to illustrate how it works. Minimum Requirements for an Amex Card Approval. Prescreened offers show up in your mailbox because lenders are working to identify consumers who qualify for. They offered me two different cards whi. Gisy06 received an offer on the American Express personal Platinum card of 125,000 points after $5,000 in spend within the first three months when checking their prequalified offers. Fill out the prequalification form to see how much you can finance based on your income & credit even before car shopping. AMEX loan only 7% paid off so far. An alternative is Amex. 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. . After reading your story, I went to the AMEX prequal and they did not have any offers for me so I'm reluctant to pull the. As with pre-qualification, the pre-approval process can be done online at the American Express website. Learn how to apply for a new credit card without committing to a formal application by preapproving or pre-qualifying with some card issuers. - 4512394If it helps, I stalked the AMEX prequal page for a couple months before I was offered anything but the Platinum. $75 - $125. Apply now. You seem to be missing a flat 2% cashback credit card in your lineup. Newsroom. Penalty Fees: Late Payment. By checking this box, you agree that you have read and consent to "Electronic Communications" in the consent form activated by clicking the plus sign above which provides information about your pre-approval, and if approved, your Discover card account disclosures electronically rather than by paper. 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. Click "Just for You" in the "Explore Products" section. Choose between travel, cash back, rewards and more. 2 student loans 93% paid off. Learn how to. So I've been checking the Amex prequal site every few days for a couple months now and always nothing. Submit Cancel. 403 - Forbidden: Access is denied. 7k - Chase Amazon $13. For security reasons, we must verify contact information before saving it to your profile. If approved, you automatically will be issued the Card without an option to accept or withdraw your application. Several friends and relatives with mid 600 scores got it with no issue and decent limits. You would be better off getting a small secured card to do your rebuild than any of these. After posting the question as to when I should I apply I had planned to wait 6 months from inital decline letter. Existing Amex Cards: MS 2015. Special Financing: Special financing options are available on purchases of $150 or more. When you enter your information, we check your credit (without impacting your score) to see if you’re prequalified for any of our partner cards and if you qualify for any. Choose between travel, cash back, rewards and more. When you’re prequalified for a credit card through a financial institution like us, it means we’ve screened whether you can become a cardholder. Minimum payments are required for each. I got: Hello, lisa. $17,500. . 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. *scratches head*. Leading credit bureau Experian defines a good credit score as 670 or better and a very good credit. Calls and messages may incur access fees from your cellular provider. Message 8 of 8. How early can you test the pre-qualify page?The Plum would also not be the first choice but it would get us our first major business CC or charge card. 7. Message 7 of 9. Best preapproval card welcome bonus Discover it® Cash Back. This was the 3rd week of March for my approval. I would like to get in to the AMEX charge card world. Quickly and easily check your eligibility for an American Express Card in less than 60 seconds, without any damage to your credit score. Select ‘Macy’s Credit Card’. How to Check for Credit One Pre-Qualification Online. 1% - 5%. This triggers a hard credit bureau inquiry and a credit decision. Accept Amex Cards; Refer A Friend; Additional Information. If you receive a pre-approved offer, you must submit an. Delta SkyMiles® Reserve American Express Card – Best Airline Miles Welcome Offer. Citibank Credit Cards With Soft-Pull Preapproval. After that, purchase APR of 21. 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. S. $12,000. @Horseshoez . The Wells Fargo Active Cash pays 2% cashback across the board,. I've tried to apply 3 times in the last three months for amex for delta gold and amex everyday and i was always declined. 3. Post FRB, charged another ~$1000 and paid off immediately. I just paid 60k+ debt, after holding 98% across all my cards for 3 years. on American Express' website. Lower your interest rate by 2% each year. This financial services company offers a vast number of prepaid, charge and credit cards for applicants with good to excellent credit scores -- which FICO considers to be 670 or higher. Citi Bank. Went over to the Amex pre-qual site and fi. Learn how to apply for an instant approval credit card online and use it instantly with an instant card number. Proponents say it’ll benefit merchants by lowering some of their operating costs, enabling. 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. 3x points per $1 spent on airfare, hotels, and car rentals. Re: Amex - Offers. Enroll Now. Credit scores calculate the likelihood that you'll pay back loans based on a number that factors in your current debts, your past debts, and payment history for both past and present loans. Preferred Rewards members earn 25%-75% more points on every purchase. If you’re a frequent traveler looking for a low maintenance travel credit card with no annual fee, the Bank of America® Travel Rewards. Take your ideas further with a Wayfair Credit Card. 01, 2023. 74% (Variable) $0. American Express is piloting a new feature to let potential cardholders know if they’ll be approved before a hard credit pull. EDIT: This thread is started to turn into my credit jouney so things are a bit of a mess here and things keep getting merged. Intro offer available. ISwune. So while prequal is not a guarantee of approval, nor does lack of prequal indicates a denial, I think in your case recent accounts (even if they are not reporting, inquries indicate credit seeking) and lates are the. 6 View rates and fees for more details. However today I’ve seen a pre-qual for both the gold and the platinum on 2 separate visits. S. I always recommend Amex blue cash to newbies with decent income. Preferred Cash Rewards Visa Signature ® Credit Card. In April I was getting PRG, EDP, and ED, then in May it changed to EDP, ED, and BCE. Fair / Poor / Bad / Limited Apply Now View Card Details. See if you pre-qualify for the Wayfair Credit Card. AMEX does have certain immutable disqualifiers for approval like a recent BK reporting but a CO reporting isn't one of them. A pre-approval for a Line of Credit indicates that you meet initial eligibility criteria but is not a guarantee of approval. A delightful representative dug out my old account and confirmed a balance due of $1,337. Get pre-approved for a Capital One credit card with no impact on your credit score. I did an Amex prequal earlier and was shocked that I had an offer for the Platinum 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. Click “Credit Cards” in the drop down menu. 2; No Rewards expiration. So, Creating YET another thread here. After sucessfully getting a collection account deleted last month and paying down my balances from about 90% to 43% utilization my EX score jumped up from 604 (jan 2021) to 690 as of May 20th 2021. Citi’s family of credit cards includes over a dozen options, including many co-branded cards for popular airlines and merchants. Active:CreditCards. Granting $2,500,000 to 23 nonprofit organizations. Citi Credit Card - Check Pre-Screened Card. My credit has improved significantly since the worst of the pandemic and I'm now above 800 FICO on all three. Amex usually does a soft pull for existing customers, and you can self-refer. Go to the American Express website. Your journey to building credit starts here. Call now. Yes, you can get preapproved for an American Express card before you apply. The only way to get an American Express Platinum card RSVP code is if you receive a pre-approved offer from American Express either by e-mail or regular mail. People with high credit scores, a positive credit history, and high income can typically qualify for more kinds of credit. I used the AMEX pre qualifier page and it said. Meanwhile preapproved offers are generally sent in the mail by lenders who prescreen. and restaurants worldwide on up to $25,000 in spend within your first six months. " My plan is to wait 3 months and app for Amex and CF. Contactless Cards – The security of a chip card, with the convenience of a tap. I was hoping to get a BCP. Pay equal monthly payments on Amazon. As of 11/21/2023, n Rewards® Secured card rate is 18. [deleted] • 2 yr. APY is subject to change at any time without notice before and after a Business Checking account is opened. Re: What was your Amex Pre-qualification results. Then it was showing bc and the blue card also 1 more can't remember them. 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). Exceptionally clever marketing, offering a unique card design, (supposedly) fabricated from metal from an retired aircraft and including a cargo-container's worth of. You must have at least good credit to. N/A. But if you decide to submit an application for any Navy Federal card, the issuer will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score. com by 12/15/2023. Up to $40 (the amount of the fee varies by state, see below) Returned Payment. Find out the steps, benefits, and drawbacks of instant approval credit cards from American Express. Prime Rate. Curious to hear everyone's thoughts. I did not burn AMEX in the BK and had not had an AMEX card since the early 90's (I think). 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. USALLIANCE Financial. . After your submit, one of the following things will happen: You’ll be approved. Goal Score:=750. DP included BK7 4. A soild APR is almost always a win. You’ll have time to fully review all the Terms & Conditions of your offer before you apply. Maryland. Delta SkyMiles® Reserve American Express Card - best for sky club access. 2) FNBO Evergreen Business. Confidential, personal or financial information will never be sent or requested in an email from U. If the screen pops up saying "Shadeestill, you are preapproved" that's a prequal and a good indication you'd be approved. Must be 18+ to apply online or 21+ to apply by phone. Here is my personal experience with a prequalification followed by denial. 411 Theodore Fremd Ave. The two times I applied without a prequal or preapproval ended in denial. Capital One offers a tool to see if you are pre-qualified for nine credit cards, including the following: Capital One Quicksilver Cash Rewards Credit Card. If you aren’t offered an introductory rate. Note that some card issuers may. . EX 4 EQ 2 TU 5 - - CC 5x24, 3x12. Discover. 2 Redeem for cash back as a statement credit, an ACH deposit into. If you log into an existing American Express account, your credit score may be impacted upon submission of your application. However, most credit card issuers will require a bit more information than for pre-qualifying since you’ll be seeking pre-approval for a particular credit card. Citi Credit Card - Check Pre-Screened Card. Message 7 of 15. Either way, you'll receive your Barclays card in the mail within approximately 7-14 days or a letter informing you that you have not been approved. As a. By selecting "View My Card Offers," you authorize American Express to obtain your credit report to determine if you match with any offers and you acknowledge that (i) this is not an application for credit, (ii) American Express may review your. the Citi card was the most recent about a month ago. If a patient pre-qualifies, but isn’t instantly approved, please ask them to call the Account Protection Team at (800) 888-1726. Please contact the issuer for preapproval or pre-qualification opportunities. 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. 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. Find out if you're pre-approved in as few as 60 seconds. The difference between credit card preapproval and credit card prequalification can be tough to pin down, even for credit experts. 2x points per $1 spent on dining. This. Before applying for a credit card, you should see if you qualify. In this review of pre-approved credit cards by issuer, we describe how to get a credit card with a minimum of fuss. Check to see if you are prequalified online. 0% intro APR on purchases for 12 months from. For the first time tonight I got a prequal for the platinum card! Even though I am not going through with it I am excited that I am AMEX status now. All other Navy Federal Credit Card rates range from 11. 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). I thought I'd mention the elevated bonus since a lot of people around here are interested in that card. Prequalification involves a soft credit check, which won't affect your credit score. Amex Schwab $10,000, since 2019. At least that was the case for me. ”. Prime Rate. 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. 24% will apply. Also, you just got two new accounts, but I think it's worth saying that Disco and NFCU are quite different lenders than Amex. Find the best rewards cards, travel cards, and more. Established Contributor Mark as New; Bookmark; Subscribe; Mute. 0% intro APR on purchases for 12 months from. . Annual fee: None. 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. It’s not very often that you see credit card offers that feature six figures of bonus miles from a business credit card, but this card features a limited time offer. But I also see that Resy's current offer is 125,000 Rewards Points but with 10x points on money spent at Restaurants. Many are approved with 650 scores. Apply for a credit card online. Once you're a member of American Express you have access to all the cards your credit scores and income support. See rates, fees & rewards for Enjoy Beyond credit card. 29. American Express cards: Your 4-digit code is located on the front of your card, just above the embossed card number. 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. 49% - 29. . If you're pre-qualified, it is a good chance of approval for this specific card. If you find pre-approved credit card offers annoying, there is a way to stop receiving them. . 87 to 2. *Subject to credit approval. LEXUS PURSUITS VISA ® YOUR PARTNER IN DRIVE. . 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. 5 point redemption on all flight and hotel purchases. I have been stalking the Amex pre-qualify site for MONTHS and of course they never had any offer for me. You can pre-qualify for credit cards with several major credit card companies, including American Express, Bank of America, Capital One, and Wells Fargo, among others, using the pre-qualification tool on their website. Went to the site and inputted info and got this back (it does say pre-qualified) and was wondering if they are any good. Amex BCP $30,000, since 2015. So today I applied for the Platinum and was declined. See if you have any Chase. 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. Tonight it said I prequalified for delta sky miles gold, blue, and platinum. N/A. 99% Variable APR thereafter. Please. Feel Confident Building Credit. 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. JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4. Suite 350; Rye, NY 10580-1426; ABA Routing Number: 221981063; Contact Us +1 (800) 431-2754; memberservices@usalliance. My advice is dont let the prequal rule your mindset. Is it possible the pre-qual will change in the next upcoming months and show me BCP? Or can I cold app for BCP, knowing those pre-quals are there, and hopefully get approved. When can I expect pre-qual offers to start showing up? Or maybe they should have - 5421215Reader @djmomgenes received and offer of 100,000 points after $5,000 in spend within the first three months on the American Express personal Platinum card when checking CardMatch for pre-approved offers. TBD. American Express. Yes, the Amex Gold card does have pre-approval. Apply for a credit card online. 1. My VantageScore 3. Using AMEX pre-qualification tool I found the 125k MR sign up bonus. Factors like getting approved for a business credit card and quantifying the credit limit are based on the company’s credit history and/or that of its owner.