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AmEx近期给部分用户推送了有趣的申卡方式,这个方式跟Apple card的预测申请很像,简单描述:
- Amex称之为:apply with confidence(自信申卡?)
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申请时,Amex会告知你是否会批卡
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会告知是否批卡,继续申请,不HP,只SP,同时批卡
跟Apple card的申请模式相比,Amex这个甚至从头到尾不HP,Apple card确认能批多少额度后,最终申请是会Hard pull的。
注意,目前发现似乎都是没登陆Amex的用户,未知未来是否会给登陆的用户推这个模式。我们都知道老用户Amex申请都是Soft pull,不会出现Hard pull。所以,这个模式对申请Amex首张主卡的人是比较友好的(也包括被Amex杀全家后重新申请)。
申请会看到这个提示:Know if you‘re approved for a card with no impact to your credit score.
手机端也看得到:
继续申请的话,会看到如下提示(全程不Hard pull):
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提交申请
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告知结果
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接受申请
接下来是申卡界面:
唯一的遗憾是,没有找到批卡的效果图,未知个人卡是否会告知额度,如果有像Apple card那样告知额度多少,会更加有用。
总体上是相当不错的改进,希望其他银行好好学习下。Amex本身老用户申卡就不Hard Pull。这个模式针对的是新用户,还是很不错的。对于新手的信用分数是相当友好的。
遗憾的是现在这个申卡模式,好像很少遇到,相信会慢慢铺开的。
In AmEx, we believe!
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Roblox Gift Card - 2,000 Robux [Includes Exclusive Virtual Item] [Online Game Code]
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