04-08-2013 05:30 PM - edited 04-08-2013 05:31 PM
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.
04-08-2013 06:35 PM
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
Earn Cash Back
|Amex Zync(Unicorn) |
Citi DC $10,000
04-09-2013 01:24 AM
04-09-2013 10:00 AM
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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.