10-20-2013 02:53 PM - edited 10-21-2013 01:14 PM
AMEX- Approved PRG Charge and BCP-10K Denied Mercedes Revolver, wait 6 months is what she advised
I AM SHOCKED!!!!!!!!!!!!!!!!! The analyst didnt even mention taking limit from CSP!
Will I need to "garden" now? How do I join?
UPDATE!!! APPROVED FOR CSP INSTANT!!!! Amex in review, and Ritz 7-10 days.....
I recently refreshed my FICOs after paying off my mortgage last month, did so today. I am interested in apping for Amex BCP/PRG, CSP, Amex Mercedes Revolver (I am going to lease one soon) and the Ritz Carlton card.
Amex was a member in 1981 closed account in 2007 was a Gold charge card still reports on all 3 CRs in Good standing I closed the account.
AAoA for TU 7yr 2mnths FICO (per myfico) 788, Oldest account 19 years, UTL-18% (i know taking advantage of a 0% APR for a recent cartier watch purchase)
No baddies, No BK never defaulted, never late, no C/O 4inqs in past 6 months-2 were for new Cell Service
EQ-Well appartently I am locked out due to a mixed file, have a smiliar SSN to my brother and its causing issues with EQ
EX- 770 AAoA 10 yr, Oldest account 29 years, still open too...just never used, 2 inqs both in October new Money Market Account with Wells Fargo, and the other was for Life insurance policy that needed to be renewed.
Income 130k (Will sign 4506-T before even applying with AMEX, I have nothing to hide)
Mortage just recently paid in full, last payment made was $49,000
UTL-9% for some reason the promotional card is not reporting on EX.
Sorry for such a long post. With the above stats do I have any chance at the cards listed? Would really like the BCP/MB Revolvers or CSP/Ritz-Though I am sure Ritz is a long shot. I stay often though and can justify the annual fee. I am concerned with INQs as Chase loves to pull TU in my area. AMEX obviously EX. Since EQ is locked no one will be pulling, sad too its my highest FICO. *was pending consumer relations fixing the file again and mergering it with my brother!
10-20-2013 02:57 PM
10-20-2013 03:01 PM
Don't see how you'd have any problem getting both the CSP and BCP with your stats. I wouldn't be surprised to see if you got some big CLs to boot.
What were the two other INQs for? Any recent CC denials? Why did you close the gold charge card? I see you listed in being interested in a PRG... do you really mean that or do you mean Amex SPG?
10-20-2013 03:09 PM
The Inq on Transunion were for adding a line to Verizon Wireless, and extending 3 more for Tmobile for my kids. Verizon pulled 2 times!! Tmobile Once! Then opening a savings account with my local credit union.
I closed it out of anger, I was upset with a CSR and didn't like the supervisor response either to an issue with my points that I was not credited. Needless to say it was acrimonious and I am afraid they may remember me being a "nasty, rude" member.
The EX are Wells Fargo MMA (upset they pulled credit for a deposit account) and of course switching life insurance company which resulted in HP.
I just am worried Chase is INQ sensitive, AMEX may remember and have internal remarks about me (paranoid)
In the end I just want CSP from Chase, AMEX Mercedes or BCP but also the PRG Charge card....Asking too much?
10-20-2013 03:10 PM
10-20-2013 03:12 PM
10-20-2013 03:14 PM
You know I may just do it, my reports are locked what's there to lose?
Going to unlock EX and TU...That order should I apply? Do you think AMEX will pull both? No more apps for 3 years after this if it works. I don't want AAoA going down for toy limits that AMEX seems to be giving. Should I do Mercedes Revolver, BCP then Charge or Charge, Revolvers? Chase should I push my luck with both cards or just app with one-Travel often but stay often at Ritz too....both cards would be worth the fees.
I just don't like the INQs...UTL is a bit high too from what I have read on these boards. Decisions.....Takes an hour to unlock reports anyway so I guess no rush
10-20-2013 03:17 PM
Yes current CLs on cards are
Barclays Gcnomy/Green bank card-$17K
Wells Fargo Platinum-12K (newest one opened in 2011)
Penfed Promise-10k (one that I charged the cartier on)
10-20-2013 03:21 PM
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