A clean record with 6 months + of credit history, in addition to decent income and non-excessive credit limits and balances, is a sufficient condition.
And really you don't even need the decent income. Mine isn't what most people around here would consider decent and I got instantly approved. Low limit ($2k), but approved. Seems to me I also recall a few others reporting being approved for Amex, and even BCE, with incomes in the $20k range.
Agreed. I personally know someone that obtained an SPG while being a college student too.
Just too add to the convo.
i was approved for my zync in aug( didnt send score since its a charge card)
i had about 8 inq's on each report 7 of them being less then 1-3 months old (they tripple pulled me)
at that point it was like 11% util
this was before i really started watching my credit, and half of my new cards didnt report yet. aaoa was around a year
fast forward too jan, i jokingly apped for bce, thinking if denied soft, if i got it, i got the backdating, anyway
aaoa: was about 11 months, util is 20%(christmas shopping etc) no inquries since zync. score provided was 726 on ex
was denied for high inq's, loan balance too amount( took out a car loan in august) and time with amex too short (5 months)
oh well it was worth the app.
thinking if i should jokingly reapply now, before a balance reports. but i dont want too step out of the garden if i got it. ughh choices choices.
|Current: Discover Fico 709 3/15 Walmart Fico 743 4/15|
Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
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|Amex Zync(Unicorn) |
Citi DC $10,000
Try the Gold Delta Skymiles American Express card....I applied on April 1st, was approved via email on April 5th, was informed my CL at a minimum would be $4,500 but when I registered my account online, the CL was shown as $6,000. At the time I applied, my utilization was 28%, no negatives, no late payments, 15 year credit history, 2 open auto loans, and annual salary at $110,000. FICO scores were 680 and 672.