@fontanaman, not sure about that….on the one I accepted with Express, when I accepted it, it gave me a 7-10 day message(or something like that) I think I waited the next day and went through the motions again on the website and it offered again and it instantly accepted me that time with a higher limit. The first was $150 and the second offer was $350. Again, I don’t advise that you apply for anything…only accept the offer if it says you are preapproved.
Applying Directly= hard inquiry(HURTS CREDIT REPORT)
Accepting Preapproval=soft inquiry (doesn’t hurt).
If you are unsure then abort the mission! 