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Moderator
Posts: 16,935
Registered: ‎12-30-2011
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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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 693, TU 4 742, EX 2 702, EQ 8 722, TU 8 757, EX 8 737 (5/13/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Valued Member
Posts: 47
Registered: ‎03-08-2012
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Re: amex SPG "in progress"

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

Regular Contributor
Posts: 143
Registered: ‎07-01-2012
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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.

 

 


    NPSL              $25k            $25k              $23k              $22k               $16k              $12k              $10k            $6.5k
Established Contributor
Posts: 665
Registered: ‎08-02-2011
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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
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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: 143
Registered: ‎07-01-2012
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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.


    NPSL              $25k            $25k              $23k              $22k               $16k              $12k              $10k            $6.5k
Valued Contributor
Posts: 1,988
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: 2,424
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 & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
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%

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