American Express has introduced a game-changing feature called Apply With Confidence, allowing potential cardholders to apply for their consumer cards without affecting their credit scores. This innovative tool enables applicants to prequalify for a card through a soft credit inquiry, meaning they can discover their approval odds without the risk of a hard pull that typically lowers credit scores. If approved and the applicant chooses to accept the card, a standard credit check will be performed. However, if the application is denied or the applicant decides not to proceed, their credit score remains intact. This feature is available for both new and existing American Express cardholders, though existing members may need to log out to access it. Overall, Apply With Confidence enhances transparency in the application process, allowing users to make informed decisions about their credit options without the usual risks associated with credit inquiries.
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