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08-11-2017 12:36 PM
I prequalified for the Gold PRG, Blue Cash and I forgot the other one. But when I read the details it says my APR was 17.99. I apped for the Blue Cash and PRG, then I decided a few days later to (cold app) for the Delta Skymiles. Approved for all 3, Sp. Surprised to say the least and my score is (according to the letter I received with my cards) 678 (havent updated my siggy yet with my new FICO's).
08-12-2017 03:47 AM
At the time of my app, my EX was 660 and I was approved for a SL of $1800. No baddies, really the only issue I had was a thin file (think my AAoA was only 5-6 months). I'd probably wait until I was at least at 650 before I'd try because even if you are approved, you may get a small SL and if you plan on using the 3X/61 days trick, it's best to wait until you get the biggest SL as possible.
08-12-2017 03:55 PM
I don't think you can get approved even if you have a 700 amex seems to not forgive any lates or collections on your report, I had 1 collections 3 years ago and 5 lates from 3 years ago as well and that was the reason that they denied me for a BCE and this was after it went from only green amex pre qual to gold, BCE, EVC pre qual ...and still got denied.....amex prequal is a joke so don't do it if you see you prequal.
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