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What are my chances for AMEX PRG or BCE?

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GoldenloveNY
Frequent Contributor

What are my chances for AMEX PRG or BCE?

I have my Zync since September 2012, ran about $1,200-1,400 through the card each month since then, and have paid in full when the statement closes. My Util right now is 35% . Oldest card on Credit Reports is Capital One (1 Year and two months), and I opened my Discover IT back in September 2012 as well. No baddies on my reports. I also have two student loans (government ones) showing on my reports, but they are deferment. Do you think I have a good chance for the Amex BCE? If not, how about the PRG? I can settle in opening the PRG right now (the fee is waived for the first year), then wait until my approval chances for BCE is better (then cancel the PRG).

 

I have been taking advantage of Zync's Eco pack, but since Amex is now canceling their Zync packs in April, I need another card that will earn me double points or rewards.

Citi Double Cash: $1,000
Capital One Secured: $500
Capital One Savor One: $1,650
Amex Gold- NPSL.
Amex Platinum- NPSL.
Amex Delta Gold: $1,000
Best Buy Store Credit Card: $2,000
Amazon Store Credit Card: $6,000
Verizon Visa Card: $2,000

Bj's Perks Elite Mastercard: $2,300

Merrick Credit Card: $1,400
First Savings Credit Card: $1,250
Message 1 of 4
3 REPLIES 3
jsucool76
Super Contributor

Re: What are my chances for AMEX PRG or BCE?

If you app and get denied its 99.99% of the time a SP. Might as well try.
Message 2 of 4
chnceit
Valued Contributor

Re: What are my chances for AMEX PRG or BCE?

What you have listed seems that you have a very good chance at getting approved assuming your overall utilization is low and your Zync does not have a hard limit. 

 

But why would you want to close the Zync Unicorn? Its very rare! Until AMEX tells me they must cancel it then I shall let it go. 


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 3 of 4
GoldenloveNY
Frequent Contributor

Re: What are my chances for AMEX PRG or BCE?

Thanks. No way I am closing my precious Unicorn. It's just that I spend a lot on groceries per week (mostly at Whole Foods & Trader Joe's) and the Zync Eco pack was awesome for me.
Citi Double Cash: $1,000
Capital One Secured: $500
Capital One Savor One: $1,650
Amex Gold- NPSL.
Amex Platinum- NPSL.
Amex Delta Gold: $1,000
Best Buy Store Credit Card: $2,000
Amazon Store Credit Card: $6,000
Verizon Visa Card: $2,000

Bj's Perks Elite Mastercard: $2,300

Merrick Credit Card: $1,400
First Savings Credit Card: $1,250
Message 4 of 4
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