Originally Posted by Tronic

Alright. Any idea how to opt-in to prescreened Amex offers? I did the prescreen opt-out when it first came out but reversed it 3-4 years ago but the only offers I ever get are discover.

Originally Posted by Tronic

My partner just received a targeted 100k business plat offer in the mail and I'm wondering if I can use the referral code for myself?

She's trying to rebuild her credit at the moment so we don't want to apply in her name. She has a dormant business that's registered to our shared address but there's not a tax ID or business bank account for any type of verification.

My only Amex is a personal SPG. Is this possible or are they really strict about the target matching the applicant?

Originally Posted by eltajin

Just as anecdotal point as conventional wisdom seems to be no. I used a 100k Business Platinum targeted offer to my fiancee in April this year- we share the same address and apartment but used my name on the application. Received bonus no issue.

Originally Posted by tnpatterson

Tried doing this awhile back. My brother's cat (!!!) had received a 100k Amex Plat offer. Obviously the cat isn't going to be applying for a card any time soon, so I tried to use the offer. Didn't work. At all. Application said it was pending further information. I took a couple days following up on it and American Express' fraud department kept calling me and leaving vaguely threatening messages.

Eventually called in and was repeatedly told they wanted to speak with "Eleanor," and when I explained there was no "Eleanor" at the residence, they said the offer was only for "Eleanor" (again -- a cat!) and that I could not apply for it, and they would be canceling my application. This despite using all my personal information on the online application.

I wouldn't bother applying -- not worth the credit pull.

PS. I wondered for a while how my brother's cat could have gotten on American Express' radar. And the only thing I can come up with is that my brother added her as an authorized user on a United card some years ago for the AU bonus. Not sure I like that Chase shared "her" information with, well, anyone. Let alone another bank!

Originally Posted by FTRox87

lmao... are you serious? how's that even possible... I thought adding someone as an AU required their SSN...

Originally Posted by ddallas

Originally Posted by eltajin

Just as anecdotal point as conventional wisdom seems to be no. I used a 100k Business Platinum targeted offer to my fiancee in April this year- we share the same address and apartment but used my name on the application. Received bonus no issue.

Originally Posted by wholeinone04

Interesting, I have a 100k targeted plat offer for my bro that he doesn't want but the address is our parent's house. I wonder if the address even matters though. I may try and apply for the card using my parents' address which is also listed on the app.

Originally Posted by f0xx

Your CR has to have that address listed or else you're in for a whole lot of address verification issues.

Originally Posted by wholeinone04

Ok I ended up trying this. To recap, my bro got a targeted plat offer for 100k. I applied anyways since it was to our parents address (which is listed on my credit report) and even though it said his name when I pulled up the app, there was a place to change the name on the card, so I went ahead and put my name in.

Applied and got an e-mail saying they needed more info to verify my app. Couldn't check the status online so had to call in and the rep told me that the credit report they pulled didn't match my SS (my real SS). So looks like the targeted offers are somehow tied to SS or credit report so I may have accidentally done a hard inquiry on my bro's CR. Whoops. Oh well, live and learn.

I might try again with the next targeted offer not addressed to me and call in this time and try to come up with some story. I've heard this works but never done it first hand.