amex.us/bcprsvp RSVP Code
amex.us/bcprsvp directs users to a landing page for a targeted, pre-approved offer for the Blue Cash Preferred® Card, using American Express's "Apply with Confidence" feature. This process allows potential applicants to check their approval odds with a soft credit inquiry that does not affect their credit score; a hard inquiry only occurs if the applicant accepts the card offer.
Using the URL amex.us/bcprsvp for the Blue Cash Preferred® Card offer involves American Express's "Apply with Confidence" feature. This means a hard credit inquiry will only be performed if you are approved for the card and choose to accept the offer.
How the RSVP application process works
1. Enter your information: You will visit the specified URL and enter the 14-character RSVP code and your ZIP code from the invitation you received.2. Fill out the application: You will be directed to a secure online application page. Some of your personal information may be pre-filled based on your existing relationship with American Express. You will need to provide additional information, including your Social Security Number and annual income.
3. Soft inquiry performed: After submitting the application, American Express will perform a "soft inquiry" on your credit report. This initial check is done to verify your eligibility and does not affect your credit score.
4. Receive an approval decision: Based on the soft inquiry, American Express will provide you with an immediate decision on whether or not you are approved for the card.
5. Accept or decline the offer: If you are approved, you will have the opportunity to review the card's terms and any associated welcome bonus. You can then choose to accept or decline the offer.
6. Hard inquiry upon acceptance: A hard credit inquiry will only be conducted on your credit report if you accept the card offer. This is when your credit score may be slightly and temporarily affected.
This process allows you to confirm your eligibility and review the offer details risk-free before a hard credit pull is ever performed.
CLICK HERE FOR MORE DETAILS AND TO APPLY ONLINE
FICO Credit Scores
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
What is a Credit Score?
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
Credit Score Facts
- Credit Scores range from 300-850, the higher the better.
- Most lenders base approval on your credit score.
- Higher Scores mean lower payments and better deals.
- Higher Scores mean Lower interest rates.
- Scores are determined by 5 main categories:
- Payment History
- Amounts Owed
- Length of Credit History
- Type of Credit Used
- New Credit
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
Security Notice: Security Notice: All Applications utilize Secure SSL Technology for secure transmissions.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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