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Discussion in 'Credit Talk' started by ALS, May 10, 2000.
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This illustrates one of the features of preapproved offers: the standards for offering them may be lower than their regular standards. Banks are much more suspicious of an application that the borrower initiates than one they mailed out based on credit prequalification. Some of my preapproved offers state that any applications returned late will be evaluated by their normal credit criteria, presumably different from the prescreen criteria.
Knowing Amex, they probably didn't lose it on purpose, but really don't want to deal with anything outside of their standardized prescreen-direct mail--approval strategy. Maybe you could at least get them to delete the inquiry. Then, the same prescreen will probably select you again in a few months. By the way, I sometimes make copies of really good or really unusual offers before I send them back. I hope things go well for you.
That's weird and good to know. You would think they would have the same standards. I had asked them if applying over the phone would make a difference and they said they really didn't know. Think I will just wait it out and see if I get another one. Would really like the declination letter though!