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Pre-approval for AMEX ?


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A friend of mine just got a pre-approval offer from AMEX blue. Anybody know the odds of actually getting approved if she applies?

Those odds would likely depend on her score and what's on her report... :confused:

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I realize that approvals depend on scores and what's in a report. Does AMEX send out pre-approvals to just anybody or do they do a soft pull and only send pre-approvals to the ones that pass their credit test? I just wanted to know since it was AMEX, does the pre-approval letter mean her chances are better to be approved or just same without the pre-approval.

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I realize that approvals depend on scores and what's in a report. Does AMEX send out pre-approvals to just anybody or do they do a soft pull and only send pre-approvals to the ones that pass their credit test? I just wanted to know since it was AMEX, does the pre-approval letter mean her chances are better to be approved or just same without the pre-approval.

Oh, OK.

I'm on AmEx's blacklist, and I get preapprovals from them all the time.

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It probably doesn't mean anything then. Thanks for the help.

Also, if it just says "you are invited to apply," it REALLY doesn't mean anything!! But if she has decent scores and clean reports, I can't see why she shouldn't try for it.

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Amex generally really means pre-approval when they say pre-approved.

Considering I BK'd them for something like $13,000 and I get probably 5-6 preapprovals a year from them... I'd say that ain't necessarily so. ;)

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Considering I BK'd them for something like $13,000 and I get probably 5-6 preapprovals a year from them... I'd say that ain't necessarily so. ;)

True -- but if you're not blacklisted and don't have some lurking horror on one CRA (but not the one they pulled from), generally a pre-approval is real from them.

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True -- but if you're not blacklisted and don't have some lurking horror on one CRA (but not the one they pulled from), generally a pre-approval is real from them.

Yeah, that's why I said that a preapproval in itself isn't an indicator of likely approval--I'm sure I get them because I have a clean TU with a score approaching 800--but if I was dumb enough to apply, it would all come out in the wash (when they ran my social through their internal check). However, if the OP's friend has decent scores and clean reports, there's no reason she wouldn't be approved. With or without the preapproval.

A preapproval from them doesn't mean you're golden, or even likely to be golden. It means a preliminary check said "this person seems to fit our profile." They don't even look at your actual details (like who you actually are) until you apply.

From all I've been hearing, preapprovals in general are meaning less and less these days. All they are is a come-on, to get you to apply. You're just as likely to be denied as approved, because you pretty much only need to have a pulse to get a preapproval now. :roll:

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Friend went ahead and applied, was approved instantly. Credit limit was 2100 upon approval. They told her when she calls to activate, she could ask for a CLI and that they would give it to her. Thanks for the help.

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Friend went ahead and applied, was approved instantly. Credit limit was 2100 upon approval. They told her when she calls to activate, she could ask for a CLI and that they would give it to her. Thanks for the help.

Oh, yay!!! CONGRATS!!! :D

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