On the Amex website a cardmember can log in before looking at available cards to see possible pre approved offers. Some available cards have an "Accept pre-approval" button instead of an "Apply now" button. Does anyone have experience/info. about these pre-approved offers? Are they "real" pre-approvals? Any info. appreciated. Jeff
THEY ARE "REAL" PRE-APPROVALS...BUT I WAS DENIED!!!! You are "PRE-APPROVED" until they run your credit report. THE ONLY GOOD THING IS THEY ASK VERY FEW QUESTIONS...
I think it is a preapproval based on your track record with AmEx, but if they see something they don't like on your CR, they can turn you down.
Thank you George and Breeze. I appreciate your info. Don't want to burn another inquiry as I am still scrounging under the cushions for spare FICO.
F.Y.I. MY F.I.C.O. 685-704 WHEN DENIED (CASH BACK PLATINUM)...BUT I WAS HAVING LOTS OF PROBLEMS GETTING BALANCES UPDATED...PAID OFF, BUT SAID I OWED >$10,000 MORE THAN I DID ACTUALLY OWE!!!
Your FICO is better than mine George. I am at 653 FICO and got my Amex at about 620. Maybe I have a personal banking relationship that I think is more responsible for my Amex card than my credit score. All of the Amex pre approvals seem too good to be true.
