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New Member
daveyj88
Posts: 7
Registered: ‎08-05-2012

AMEX PRG, Chase Freedom, and BankAmericard Approved this summer!!

I went on a little app spree and got the AMEX PRG, Chase Freedom (upgrade), and a BankAmericard.. I'm a broke college student, who waits tables, with farily crappy fico scores.. Granted that Chase account was grandfathered in by an ollllld providian/wa-mu/chase account from 2002..  

 

Believe me I'm thankful, but how did this happen?!

Fako Scores: Ex: 696, Eq:696, Tu: 723, Transrisk 658

:: 1 Public Record - State Tax lien, paid
:: UTI = 1%

AMEX PRG, Chase Freedom ($500), Cap1 plat ($500), BankAmericard ($600)
Regular Contributor
altayar
Posts: 173
Registered: ‎08-19-2010

Re: AMEX PRG, Chase Freedom, and BankAmericard Approved this summer!!

You mind sharing your scores with us? And also the limits you were approved for. 

New Member
daveyj88
Posts: 7
Registered: ‎08-05-2012

Re: AMEX PRG, Chase Freedom, and BankAmericard Approved this summer!!

Haha, what limits?

 

Freedom, 500

BankAmericard 600

Cap1 500

AMEX - Who knows?

 

My EX was 656, and thats the only actual FICO score that i know.. Discover wouldn't touch me and mentioned that score several times in the "screw you" letter

 

Fako Scores: Ex: 696, Eq:696, Tu: 723, Transrisk 658

:: 1 Public Record - State Tax lien, paid
:: UTI = 1%

AMEX PRG, Chase Freedom ($500), Cap1 plat ($500), BankAmericard ($600)
Senior Contributor
youngandcreditwrthy
Posts: 5,994
Registered: ‎08-16-2012

Re: AMEX PRG, Chase Freedom, and BankAmericard Approved this summer!!

Discover SUCKS! I'm a broke college student too, and I can't even get a Discover student card! I have a Chase Freedom though, and I LOVE it! Congrats!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | CSP $10k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Myponts.com Visa $3.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
altayar
Posts: 173
Registered: ‎08-19-2010

Re: AMEX PRG, Chase Freedom, and BankAmericard Approved this summer!!

These are good starting limits in my opinion. I started like that. My highest limit right now is $1,500 with Chase ( on the Amazon card). I was able to increase my CL from $500 to $1,000 today on my Freedom card; that cost my a HP tho :smileysad:.

 

As for Discover, they kept on denying me over and over until they lastly approved me when I asked to talk to a manager. The amount is little but it's a good start with them. Try your luck with their recon number.. ask to speak to a manager right away.. don't explain the situation to first credit specialist and then ask for the manager .

 


daveyj88 wrote:

Haha, what limits?

 

Freedom, 500

BankAmericard 600

Cap1 500

AMEX - Who knows?

 

My EX was 656, and thats the only actual FICO score that i know.. Discover wouldn't touch me and mentioned that score several times in the "screw you" letter

 




Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: AMEX PRG, Chase Freedom, and BankAmericard Approved this summer!!

Congrats on the progress!! Make sure you remember to downgrade that PRG next year before the annual fee is up! No reason to pay that large of an AF unless you really plan to spend a lot through it! Good to get your foot in the door with Amex now too!

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Established Contributor
JusdoNit
Posts: 921
Registered: ‎12-10-2011

Re: AMEX PRG, Chase Freedom, and BankAmericard Approved this summer!!

Congrats.  Nice start:smileywink:


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

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