Reply
Moderator Emeritus
Posts: 12,548
Registered: ‎12-30-2011
0

Re: amex SPG "in progress"

Congrats on the SPG indeed!

 

I believe there was another user here semi-recently (last few weeks) that was approved for a SPG with a credit file / score which I was thinking "snowball's chance in..." on.  The underwriting criteria may have changed on at least some of the Amex revolvers with their now issuing comparitively low CL's (both on the SPG and on some recent BCE/BCP) to non-gold-plated applicants vis a vis the change to Chase's Freedom product.

 

Hard to say with Amex and their internal model, but regardless, serious congrats on what previously would've been considered (and sorta still is in my case haha) a forumite shock-inducing approval. Smiley Happy.

 

 

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
Valued Member
Posts: 47
Registered: ‎03-08-2012
0

Re: amex SPG "in progress"

"Shock inducing..."  Shoot....I wanted to take off my clothes and roll around on the floor.

Regular Contributor
Posts: 141
Registered: ‎07-01-2012
0

Re: amex SPG "in progress"


Snoopy7 wrote:

Paperwork only has credit score and other "Hooked on Phonics" type of stuff to help you better understand how they issued credit.  No APR disclosed, tried calling just now and the automated system wants to pretend like it's 7am and I have all day to wait on a rep.  I'll update when it arrives.


APR should be on the same page of your aggreement that has your CL and Cash Advance limits on it. Should be about 15.24% and an explanation of how much over prime your interest rate is. Took me quite a bit to find this particular doc as well as there were many pages of disclaimers, etc.

 

 

All Thanks to myFico:
AMEX Business Platinum (NPSL) | AMEX Business SPG ($25,000) | Citi Hilton Honors Reserve ($14,000) | US Bank Cash+ Visa Signature ($13,500) | AMEX H. Honors ($6,000) | FNBO Platinum MC $6,000) | Citi Diamond Preferred ($4,700) | Citi Double Cash ($3,200) | Chase Freedom ($3,000)
Established Contributor
Posts: 665
Registered: ‎08-02-2011
0

Re: amex SPG "in progress"


CreditEd wrote:

Snoopy7 wrote:

Paperwork only has credit score and other "Hooked on Phonics" type of stuff to help you better understand how they issued credit.  No APR disclosed, tried calling just now and the automated system wants to pretend like it's 7am and I have all day to wait on a rep.  I'll update when it arrives.


APR should be on the same page of your aggreement that has your CL and Cash Advance limits on it. Should be about 15.24% and an explanation of how much over prime your interest rate is. Took me quite a bit to find this particular doc as well as there were many pages of disclaimers, etc.

 

 


The APR can be either 15.24%, 17.24% or 19.24%, dependent upon credit worthiness....

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Frequent Contributor
Posts: 331
Registered: ‎09-26-2009
0

Re: amex SPG "in progress"

Congrats on getting the SPG card..That card is next on my list, I only stay at Starwood hotels when traveling so this card will definitely get used over and over...I'm just waiting for the right time to pull the trigger, my util is reporting at 15% right now, just waiting for next FICO update to show it down to 6%..


AMEX Platinum NPSL | AMEX Zync NPSL | AMEX Delta Platinum $4000 | Travelocity Amex $4000 | CapOne No Hassle Rewards $2500 | BBRZ MC $800 | Local CU Visa $1000 | Kay $2000 | Citi Hilton HHonors Reserve $5000 | Chase Marriott Rewards $5000 | BankAmericard Travel Rewards Visa $7000 | Discover IT $1000
In the garden until 10/2014
Regular Contributor
Posts: 141
Registered: ‎07-01-2012
0

Re: amex SPG "in progress"

OMG I just learned about something called SPG Moments. 10k points gets you two tickets to Cirque de Solei show and backstage passes/meets n greet etc.

 

WOWWWWWWWWWWWWWWWWWWWWW I'm gonna love this card.

All Thanks to myFico:
AMEX Business Platinum (NPSL) | AMEX Business SPG ($25,000) | Citi Hilton Honors Reserve ($14,000) | US Bank Cash+ Visa Signature ($13,500) | AMEX H. Honors ($6,000) | FNBO Platinum MC $6,000) | Citi Diamond Preferred ($4,700) | Citi Double Cash ($3,200) | Chase Freedom ($3,000)
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
0

Re: amex SPG "in progress"

great guys keep rubbing it in!

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
Posts: 2,281
Registered: ‎09-16-2011
0

Re: amex SPG "in progress"


Gibran wrote:

Congrats on getting the SPG card..That card is next on my list, I only stay at Starwood hotels when traveling so this card will definitely get used over and over...I'm just waiting for the right time to pull the trigger, my util is reporting at 15% right now, just waiting for next FICO update to show it down to 6%..


Best time to apply for any AMEX after your first is January, so you get maximum backdating. 

 

 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 10k and a nice stack of store cards.
Last APP/HP 4/22/2015
Frequent Contributor
Posts: 331
Registered: ‎09-26-2009
0

Re: amex SPG "in progress"

@jamesdwi, thanks for that tidbit of info,, I didn't know that, I think I can hold for some more months, definitely won't hurt, my scores will actually be up even more by then...Have to resist temptation now...Smiley Very Happy


AMEX Platinum NPSL | AMEX Zync NPSL | AMEX Delta Platinum $4000 | Travelocity Amex $4000 | CapOne No Hassle Rewards $2500 | BBRZ MC $800 | Local CU Visa $1000 | Kay $2000 | Citi Hilton HHonors Reserve $5000 | Chase Marriott Rewards $5000 | BankAmericard Travel Rewards Visa $7000 | Discover IT $1000
In the garden until 10/2014
Valued Member
Posts: 47
Registered: ‎03-08-2012
0

Re: amex SPG "in progress"


searchingfor67 wrote:

CreditEd wrote:

Snoopy7 wrote:

Paperwork only has credit score and other "Hooked on Phonics" type of stuff to help you better understand how they issued credit.  No APR disclosed, tried calling just now and the automated system wants to pretend like it's 7am and I have all day to wait on a rep.  I'll update when it arrives.


APR should be on the same page of your aggreement that has your CL and Cash Advance limits on it. Should be about 15.24% and an explanation of how much over prime your interest rate is. Took me quite a bit to find this particular doc as well as there were many pages of disclaimers, etc.

 

 


The APR can be either 15.24%, 17.24% or 19.24%, dependent upon credit worthiness....


I finally got the card.  A little disappointed in how long it took to arrive because I stayed at a Starwood property this weekend and wanted to use the card to charge the room.  My rate is 19.24%

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.