bmw1990Z wrote:I was getting ready to apply for the gold delta skymiles after researching it and officially having a credit history of a year. I did the soft pull "find your card" on amex's website and while it says I'm approved for that card among others, the signup offer is only for 25,000 miles after $500 spent. My question being is this the offer I'm only approved for and would be denied if I apply for it without doing the pre approved way? Or am I ok to apply for it regularly?
The pre-approved they have is not really pre-approved. It should be the same whether you apply there or mail an app or call them in terms of getting approved or not.
It is a good sign that you have that, but some people get approved without having offers, and others get declined even if they have cards listed, so, if you are interested and don't mind the inquiry just apply.