topic Re: AMEX ED + PRG APPROVED 19 YR OLD in Credit Card Approvals

AMEX ED + PRG APPROVED 19 YR OLD

Anonymous — Mon, 25 Dec 2017 23:29:12 GMT

I caught the holiday app spree fever. Saw 25k/2k spend for ED and 50k/2k spend for PRG incognito...so I said why not go for it.

Instantly approved for $10k for ED (same as my CSP, guess Amex really is in competition) and PRG! Yippee! No INQ thus far, so we shall see! Was previously pre-qual for ED, PRG, and BCE.

Update: pulled EX

Can't wait to make it $30k Time to sit in the garden for 23 months until I can downgrade CSP to FU, app for CSR, and get that bonus!

Age: 19

Income: $55,000 (working, not in college)

FICO 8 Experian: 755

AAoA: 9 months

Accounts: 3 credit cards, 1 SSL

Chase Freedom $3,000 (opened 10/16)
Capital One QS $750 (opened 11/16)
Alliant SSL $500 (opened 06/17)
Chase Sapphire Preferred $10,000 (opened 10/17)

INQ: 4

UTI: 2%

Re: AMEX ED + PRG APPROVED 19 YR OLD

SomewhereIn505 — Fri, 22 Dec 2017 20:25:39 GMT

Congrats! And great job on working on your credit so early in life!

Re: AMEX ED + PRG APPROVED 19 YR OLD

AverageJoesCredit — Fri, 22 Dec 2017 23:18:55 GMT

19 and the world is yours Great job

Re: AMEX ED + PRG APPROVED 19 YR OLD

Anonymous — Sat, 23 Dec 2017 01:24:41 GMT

Great cards and scores period. Stellar at 19. Congrats. Good work.

Re: AMEX ED + PRG APPROVED 19 YR OLD

Adkins — Sat, 23 Dec 2017 04:22:33 GMT

Congratulations on your approvals! You've got a great base of cards to use in the future!

Re: AMEX ED + PRG APPROVED 19 YR OLD

Anonymous — Sat, 23 Dec 2017 04:22:43 GMT

Thanks everyone! Time to baby these cards and watch the ED grow! As my habits change, I want to PC the ED to EDP and PRG to Platinum. But for now, I'm very content

Thank you everyone on this forum for making my journey possible!

Re: AMEX ED + PRG APPROVED 19 YR OLD

Anonymous — Sat, 23 Dec 2017 20:23:46 GMT

Btw, APR is 19.24%. Pre-qual stated 16.24%, but only had 15k/1k offer.

Re: AMEX ED + PRG APPROVED 19 YR OLD

Anonymous — Sun, 24 Dec 2017 05:22:58 GMT

Congratulations! You'e on your way. Amex is on my radar, but won' app until they give me a pre-approval later on.

Re: AMEX ED + PRG APPROVED 19 YR OLD

Anonymous — Wed, 07 Feb 2018 00:13:26 GMT

@sapphireminer

I'm going the same route as you (exact same cards), but I'm 18 still. Just an idea, that my CPC banker gave me, apply for CSP when comfortable (you already have it), get credit limit increase, and then product change to CSR. I have a feeling the UW criteria are lower for PC to CSR from CSP, rather than direct applying. Just an idea....

Good luck!

Amex PRG

Cap One Quicksilver

Discover Chrome

Going for Chase Freedom in 6 months!

Re: AMEX ED + PRG APPROVED 19 YR OLD

theBeardedNerd — Wed, 07 Feb 2018 00:16:54 GMT

Congrats on your approvals!

Re: AMEX ED + PRG APPROVED 19 YR OLD

Anonymous — Wed, 07 Feb 2018 00:24:31 GMT

wrote:
@sapphireminer

I'm going the same route as you (exact same cards), but I'm 18 still. Just an idea, that my CPC banker gave me, apply for CSP when comfortable (you already have it), get credit limit increase, and then product change to CSR. I have a feeling the UW criteria are lower for PC to CSR from CSP, rather than direct applying. Just an idea....

Be aware that CLIs with Chase are always HPs. Additionally, you might not get the amount you would like that route, as Chase is stingy with CLIs (assuming you need one, Chase might grant you at least $10k SL).

I'm apping for CSR separately because I know I'll get approved and I'm assuming that I'll get a nice SL, better than if I PC'ed CSP to CSR and then apping for FU.