American Express ‘Apply With Confidence’ Feature (YMMV)

American Express recently began showing some people an ‘Apply With Confidence’ feature whereby you’re told before the final application whether you’ll be approved. After assuring card approval, you’ll then give Amex the go-ahead to pull the necessary credit report. This way, you’ll only swallow the hard credit ding with the confidence of card approval. Apple card has a similar feature as well.

Honestly Amex usually doesn’t pull the credit for someone who is an existing Amex customer which makes this feature irrelevant for most of us. Interesting feature nonetheless. Just note that this feature does not show for everyone, you’ll see on the original card application whether it’s an option for you.

I first learned about this feature today from a OMAAT post and it looks like it’s been around for a few months when it’s discussed on MyFico and Reddit.

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Iwipemyown
Iwipemyown

After multiple pop ups trying to get the Schwab Plat, I finally tried calling 2 nights ago to see if I would have better luck. The representative also gave me an approval decision before submitting the app, and I was cleared for the SUB!

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I wonder if you see this if it would mean there would be no popup

20201103
20201103

No, you can do this and get the popup.

Thom
Thom

apply with confiDEADce

Raymond
Raymond

CON-FI-DEAD-ce

wilsonhammer
wilsonhammer

reddit comments indicate it might already be dead?

Ty
Ty

I’m seeing it in incognito after clicking view details on a card.

DanDan
DanDan

It’s a good feature. Found out I was “welcome to apply, but ineligible” for the AMEX Gold bonus. Meh, no hard ding anyways.

ieatdogfood
ieatdogfood

Has anyone ever gotten a hard pull after their first Amex card?