So American Express sent me an offer for the Premier Rewards Gold Card...

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So American Express sent me an offer for the Premier Rewards Gold Card...

Postby jimbo360 » Thu Apr 29, 2010 1:45 am

...a few months ago, but when I applied I was rejected because I had a negative account on my credit report.

My question is, do they send out these offers to everyone? Because I am only 19 and have never had my own credit card before, so I was wondering why they sent me this offer.

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Mogul of Pineapples
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Postby Mogul of Pineapples » Sun May 02, 2010 10:30 pm

Indeed, they do send these offers to everyone. I once received an offer for a card I already had and asked customer service why out of curiosity- they told me it was a completely different department that sends out offers and they do not have access to current customer account details.

The pre-approval offers from American Express or any other credit card company basically mean they got your address from a mailing list. The fine print says you are only "pre-approved" if you have the credit to qualify. It's borderline false advertising for sure but has been done that way for decades.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

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