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: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)|
Starting total revolving credit: $2600 | Current total revolving credit: 31k+
Inquiries (24 Months): EQ 8 TU 7 EX 8 | Most Recent: 09/04/2013
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
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.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO