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Can anyone verify that a decline for a existing customer is a SP? I have a ED card I got 7 months ago and I really want to app for a PRG in the near future but fear that may get declined due to an increase in recent available credit. Scores are all around 710. Thanks for the info.
@Anonymous wrote:Can anyone verify that a decline for a existing customer is a SP? I have a ED card I got 7 months ago and I really want to app for a PRG in the near future but fear that may get declined due to an increase in recent available credit. Scores are all around 710. Thanks for the info.
If you have a 7 month history with the ED, a score over 700, and thus no negatives to speak of I would be extremely, fall out of my chair surpised, if you did not get the PRG.
Just be certain you hunt for and locate the 50,000 MR for $1k spend offer. Only one shot at that ever, so make it worthwhile.
@Anonymous wrote:Can anyone verify that a decline for a existing customer is a SP? I have a ED card I got 7 months ago and I really want to app for a PRG in the near future but fear that may get declined due to an increase in recent available credit. Scores are all around 710. Thanks for the info.
Charge card don't factor into available credit since the full amount is due monthly
That being said they're also very easy to get
As far as current customers and the SP rule YMMV and some have seen a HP as well although rare
Good luck should you apply