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Contributor
epicureanism
Posts: 86
Registered: ‎02-04-2013
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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.
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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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.

 




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distantarray
Posts: 2,112
Registered: ‎09-25-2011
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Re: 5 months credit history trying AMEX PRG?

[ Edited ]

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
Contributor
epicureanism
Posts: 86
Registered: ‎02-04-2013
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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.
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LS2982
Posts: 15,434
Registered: ‎04-09-2011
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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.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
epicureanism
Posts: 86
Registered: ‎02-04-2013
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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.
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
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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

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Contributor
epicureanism
Posts: 86
Registered: ‎02-04-2013
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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.
Valued Contributor
Dustink
Posts: 3,009
Registered: ‎10-02-2012
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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?

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