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Got a pre-approval for up to $25k from AMEX and decided to take it to consolidate some credit card debt. Extremely painless process, I have all my reports locked, was approved in a couple of minutes with soft pulls for $20k, got the money in my bank account the next morning. I have a balance on one of my 3 AMEX cards.
Congratulations. Good terms?
Congratulations on your loan approval!
Congrats!
Scores? Terms?
I was in the market for personal loan too. Have used discover PL $30,000 a few years ago. Paid it off within 6 months. Thought about doing it again, got denied and reason given was debt too high relative to income. Then I remembered good old fico forums from years ago and searched here. Saw your post and applied with amex.
Pre approved for 30k. Entered the info and was approved on the spot. 25k loan, 24, 36, or 48 months all at 6.98%.
Thank you for unknowingly helping me out 😄
congratulations!
@difringe wrote:Got a pre-approval for up to $25k from AMEX and decided to take it to consolidate some credit card debt. Extremely painless process, I have all my reports locked, was approved in a couple of minutes with soft pulls for $20k, got the money in my bank account the next morning. I have a balance on one of my 3 AMEX cards.
How long you have been with Amex? You decided this 'approved loan amount' or their system did? Any POI document was requested? What was APR on this loan? Thanks