Which AMEX should I app for?

[NewBreed]

Ok my birthday is in July and I know I'm supposed to be gardening. But I want a birthday gift and plus I'm getting married soon and I want an AMEX preferably NPSL card to charge the larger items to the card and PIF (I always PIF anyway) I've apped for AMEX 2 or 3 times this year and denied each times even on recon because obviously I wasn't established enough

QUIZZLE (which I really love) shows my EXP @ 694 as of 5/22
Transunion from a CR pulled from my employer shows a 704
IDK my EQU score

But I've recently apped a ton and got approved for FREEDOM 2K (highest limit) and IT 1K limit cards..

I have 2 CAP ONE (1secure 1.5K and 1 unsecured 0.5K)

3 baddies, 2 of which I paid last year August and 1 I paid this year Jan.. Also I PIF all 3

I do see my scores jumping up once my new cards start reporting.... But I want ANY Amex I could get to add it to my real estate of cards and I'll cancel out both my CAP 1 when I'm approved cause their limits suck..

What should I do... I want GREEN but everyone's saying PRG (idk what PRG is??)


Help

Will I qualify?

[enharu]

PRG = Premier Rewards Gold.

All the Amex charge cards have same / very similar underwriting requirements, supposedly.

If you think you spend enough on the card to justify the AF, definitely go for it.

[myjourney]

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@NewBreed wrote:
Ok my birthday is in July and I know I'm supposed to be gardening. But I want a birthday gift and plus I'm getting married soon and I want an AMEX preferably NPSL card to charge the larger items to the card and PIF (I always PIF anyway) I've apped for AMEX 2 or 3 times this year and denied each times even on recon because obviously I wasn't established enough

@QUIZZLE (which I really love) shows my EXP @ 694 as of 5/22
Transunion from a CR pulled from my employer shows a 704
IDK my EQU score

But I've recently apped a ton and got approved for FREEDOM 2K (highest limit) and IT 1K limit cards..

I have 2 CAP ONE (1secure 1.5K and 1 unsecured 0.5K)

3 baddies, 2 of which I paid last year August and 1 I paid this year Jan.. Also I PIF all 3

I do see my scores jumping up once my new cards start reporting.... But I want ANY Amex I could get to add it to my real estate of cards and I'll cancel out both my CAP 1 when I'm approved cause their limits suck..

What should I do... I want GREEN but everyone's saying PRG (idk what PRG is??)


Help

Will I qualify?

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How many INQ's have you had in the last 3 months? I think you were advised to garden to age both cards and INQ's could be wrong tho.

[NewBreed]

Do you think I'll qualify for PRG in July??

Also I've finally checked my reports and EXP is only showing 11 Inqs within the past year

[09Lexie]

IMO, no you won't get approved. For Amex to tell you that you don't have enough rev history probably means they want to see at least ) 6 mos from denial.

How new are the Freedom and Discover?

[enharu]

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@NewBreed wrote:
Do you think I'll qualify for PRG in July??

Also I've finally checked my reports and EXP is only showing 11 Inqs within the past year

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that is a lot of inquiries. You should garden

[myjourney]

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@NewBreed wrote:
Do you think I'll qualify for PRG in July??

Also I've finally checked my reports and EXP is only showing 11 Inqs within the past year

---

Way to many time to head back to the garden IMHO

[improvingmycredit]

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@09Lexie wrote:
IMO, no you won't get approved. For Amex to tell you that you don't have enough rev history probably means they want to see at least ) 6 mos from denial.

How new are the Freedom and Discover?

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+1

I don't see a Amex approval for you in the near future.  I think you would do GREAT if you gardened those accounts for at least 6 months with NO NEW inqs.  

It's not always easy to garden but it does a world of good for the credit profile.

[HiLine]

If you need to purchase large value items, you could temporarily lift the limit on a revolver by paying in excess of the balance. If you want to buy a necklace that costs 3k, you can pay 2k to your Freedom to make the limit 4k. How's that?