Credit card eligibility

Financial Chat
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Hi everyone,

I’m looking to apply for the Amex everyday platinum card in the next few months and have done a couple of eligibility checks to just see where I might stand. The check I am getting from MSE as part of their credit club is giving me a 90% chance of being accepted, but when I did the soft check on the AMEX website they only gave me a 40% chance. Do you know why these chances are so wildly different for the same card, where both agencies are using Experian for their checks?

Any insights would be appreciated!
Thanks

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I was 60% on uswitch and then applied via their website and was accepted just fine.

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My guess is that one is the actual company/lender and so therefore have a more accurate ability to predict your chance of getting it.

The other is MSE who probably make a learned guess on people who have got the card and what their score(s) were.

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In that case, do you think it’s probably best to wait until the chances increase? I don’t want to make the application and get turned down as it will obviously affect my credit report.

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I applied for a Virgin CC through Totalmoney and I am sure they asked after if I was successful or not. From this, I am sure site like this tweak their scoring to get you to apply from their website.

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No one can tell, really. If you will definitely be accepted, you should apply. If you will definitely be rejected, you should wait. You have a 40% chance of being accepted, and the question is, do you like those odds?

Speaking only for myself, and not offering advice, I’d wait.

I wish you well, anyway.

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Thank you, I think i’m gonna wait a couple of months then and check in later in the year. Thanks for your help :slight_smile:

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The AMEX eligibility should be more accurate. I applied for the BA amex last may, mse eligibility checker was 40%, however the amex checker gave me 90% ( I passed the application).

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10

Good to know, thank you

11

On a side note, don’t forget to check for cashback or a referral link, whenever you do apply! Quidco/TCB regularly offer cashback for Amex

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12

Referral Wiki - a few Amex referrals here

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13

This is incredibly helpful thanks so much

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Great to know thank you

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There are different offers at the bottom of all the Amex referrals so find the best one for you :smile:

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