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5 months credit history trying AMEX PRG?

Contributor

5 months credit history trying AMEX PRG?

What is the possibility of approval? Is it certain that I will be denied? 

Currently I have BOA cash rewards (2500cl) for 5 months and citi forward (2000cl) for 2 month. 

Thanks. 

Current Cards: BOA Better Rewards (2.5k), Citi Forward (2k), AMEX Blue Cash Preferred (6k), AMEX SPG (7.5k), DISCOVER (1k), Chase Freedom (7k).

Credit Karma: 752, Credit Sesame: 736.
Message 1 of 9
8 REPLIES
Mega Contributor

Re: 5 months credit history trying AMEX PRG?


epicureanism wrote:

What is the possibility of approval? Is it certain that I will be denied? 

Currently I have BOA cash rewards (2500cl) for 5 months and citi forward (2000cl) for 2 month. 

Thanks. 


Its not a certain denial but it doesnt look good. I would wait until you have 6 months on both accounts then go for it.

 




EQ FICO 548 3/3/16
Message 2 of 9
Established Contributor

Re: 5 months credit history trying AMEX PRG?

doubtful but possibility if you get added as an ACM / AU for a Amex account. It seems to be a way to sneak in imo. I became an AU on my dad's Chase Sapphire and Delta Skymiles Amex and I was approved for my own two months later, kept getting denied before then. both accounts were new openned accounts.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 3 of 9
Contributor

Re: 5 months credit history trying AMEX PRG?

Thanks for all the reply.

How about 1 year credit history before applying to PRG? or SPG?

 

Current Cards: BOA Better Rewards (2.5k), Citi Forward (2k), AMEX Blue Cash Preferred (6k), AMEX SPG (7.5k), DISCOVER (1k), Chase Freedom (7k).

Credit Karma: 752, Credit Sesame: 736.
Message 4 of 9
Highlighted
Mega Contributor

Re: 5 months credit history trying AMEX PRG?


epicureanism wrote:

Thanks for all the reply.

How about 1 year credit history before applying to PRG? or SPG?

 


You would be fine for it then.

 




EQ FICO 548 3/3/16
Message 5 of 9
Contributor

Re: 5 months credit history trying AMEX PRG?

Thank you very much! 

 

Actually I am not quite sure about the difficulty of applying to following credit cards: CSP, SPG and PRG. 

 

I think one year would be enough for SPG and PRG, but CSP would have much higher standard (2 year, >5000 cl in one card)? 

 

Am I right? 

Current Cards: BOA Better Rewards (2.5k), Citi Forward (2k), AMEX Blue Cash Preferred (6k), AMEX SPG (7.5k), DISCOVER (1k), Chase Freedom (7k).

Credit Karma: 752, Credit Sesame: 736.
Message 6 of 9
Moderator Emeritus

Re: 5 months credit history trying AMEX PRG?

What is your income? If its high I would go for PRG...

SPG and CSP are both going to be harder to get... wait until you have 2 years of history

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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Message 7 of 9
Contributor

Re: 5 months credit history trying AMEX PRG?

Income is 55k. Would that be enough for PRG? 

Thanks for all the replies.

Current Cards: BOA Better Rewards (2.5k), Citi Forward (2k), AMEX Blue Cash Preferred (6k), AMEX SPG (7.5k), DISCOVER (1k), Chase Freedom (7k).

Credit Karma: 752, Credit Sesame: 736.
Message 8 of 9
Valued Contributor

Re: 5 months credit history trying AMEX PRG?


epicureanism wrote:

Income is 55k. Would that be enough for PRG? 

Thanks for all the replies.


I think it's worth a shot. Got decent assets as well?

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 9 of 9