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Amex APP for existing customer

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Anonymous
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Amex APP for existing customer

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. 

Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: Amex APP for existing customer

Each drunk app I did that got denied from them was a SP. it's no gurantee, but it's more frequent than not
Message 2 of 5
NRB525
Super Contributor

Re: Amex APP for existing customer


@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.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 3 of 5
myjourney
Super Contributor

Re: Amex APP for existing customer


@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 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 5
Anonymous
Not applicable

Re: Amex APP for existing customer

Please come back and update your thread with the outcome.
Message 5 of 5
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