topic Re: American Express PRG NPSL Approval in Credit Card Approvals

American Express PRG NPSL Approval

Anonymous — Fri, 12 Oct 2018 15:49:51 GMT

Just got approved for Amex Gold. They pulled EX, current score sitting at 703 FICO8. Feels great to be back in with AmEx. I had defaulted on a Green charge card back in 2004. They denied me for a Delta card in August, but I decided to shoot my shot again, and was approved this time. It wasn't an instant approval, and I didn't have a pre-approval due to the fraud alert on my file, but as soon as I called the new accounts line, and they verified my identity I got the approval email before the rep could get back on the line to tell me I was approved.

I know that some have posted of getting additional cards with Amex without another hard pull. Do you need to wait to apply for the second card until a statement prints, or can I do it already? I want the SPG card as I stay with them a lot

Re: American Express PRG NPSL Approval

Aspireto850 — Fri, 12 Oct 2018 16:40:30 GMT

OP,

That is awesome!! It appears that you’ve gained @150 point increase in your scores since Feb 2018. Any major to attribute to this success?

Re: American Express PRG NPSL Approval

Anonymous — Fri, 12 Oct 2018 16:44:58 GMT

Few things lead to the drastic score jump. # 1 was understanding that even though I PIF every month, I was letting balances report every month showing my cards almost maxed out every month. My credit lines were tiny toy limits, and once I understood to payoff before statements cut, that gave me a very healthy boost.

# 2 getting some errors corrected. I had a merged file with my dad that has the same name and because we moved to the US together 30 years ago, our social security numbers were issued in sequence. That was a major headache to sort out and I’m glad I got it taken care of. He’s filed for Ch 7 and that was all on my reports.

#3 pay for deletes with collections showing

Re: American Express PRG NPSL Approval

Noneed2nv — Fri, 12 Oct 2018 18:27:06 GMT

I got approved for my 1st AMEX Delta and a week later approved for a AMEX HH card that showed pre-approved.

Re: American Express PRG NPSL Approval

19eighty5 — Fri, 12 Oct 2018 18:30:02 GMT

Congratulations on your approval!

Re: American Express PRG NPSL Approval

Anonymous — Fri, 12 Oct 2018 20:03:19 GMT

Congrats on your Amex Gold Card approval! Yes, you can go for another Amex card now. Most likely just a SP.

Re: American Express PRG NPSL Approval

Anonymous — Fri, 12 Oct 2018 21:54:14 GMT

congrats on the new card and very nice rebuild.

Re: American Express PRG NPSL Approval

Cred4All — Fri, 12 Oct 2018 22:27:47 GMT

Congrats on the approval!!

Re: American Express PRG NPSL Approval

alvon123 — Fri, 12 Oct 2018 23:31:51 GMT

congrats!!

Re: American Express PRG NPSL Approval

PointsBonus — Sat, 13 Oct 2018 01:33:45 GMT

Apply for the Delta Reserve or Hilton Aspire or SPG Luxury - NOW.

They will use ur current credit that they pulled and it will be a SP.

I know the fees are $450 BUT believe it or not ITS THE EASIEST TO GET APPROVED FOR. TRUST ME.

Keep us posted.

Re: American Express PRG NPSL Approval

Anonymous — Sat, 13 Oct 2018 02:41:25 GMT

@PointsBonus wrote:

I know the fees are $450 BUT believe it or not ITS THE EASIEST TO GET APPROVED FOR. TRUST ME.

Wow

I'm not sure you should make statements like this since you aren't the underwriter. What if the OP gets declined again? (I hope not)

OP - Congrats on the Gold card approval and please review your options before applying for the card that fits your spend/needs.

Re: American Express PRG NPSL Approval

PointsBonus — Sat, 13 Oct 2018 03:21:46 GMT

People make comments all over the post stating that the Gold Card is the easiest .... I do not see what the difference is between their statement and mine ? Beside personal experience ...

Re: American Express PRG NPSL Approval

Anonymous — Wed, 17 Oct 2018 03:27:53 GMT

I bit the bullet and applied for a second card. I somehow managed to make a mistake and applied for the SPG regular instead of the luxury card and didn’t realize it until I got the email that it was approved after the verification call due to my fraud alert. They apparently can’t just change me over to the luxury card, and they only approved a $1000 SL on that card which leads me to believe the luxury card would have been declined. I can PC to the luxury card later on, and while, yes, the extra 25,000 points on the SUB would have been nice, it is what it is at this point. Just going to use the 3X CLI thread to grow that.

Re: American Express PRG NPSL Approval

PointsBonus — Wed, 17 Oct 2018 20:37:50 GMT

Welcome to the SPG Club, you would of most likely been approved for the Luxury as well 😉, same criteria, but your starting limit would of been $3100.

I was approved for the Gold Delta @$1000 and within an hour I applied for the Delta Reserve and was approved for $3100. I carried both cards for a bit and kept the Reserve.

Re: American Express PRG NPSL Approval

Anonymous — Wed, 17 Oct 2018 22:16:42 GMT

Haha thanks. Just sucks they couldn’t recall the application and change it over :-/

Re: American Express PRG NPSL Approval

Anonymous — Thu, 18 Oct 2018 22:16:43 GMT

Ugh Amex is kind of annoying me now.

When I got approved Friday, they told me that they would overnight me my cards and i should get them Monday. It’s thursday and I haven’t received anything. No missed deliveries on my end as there have been no slips left by FedEx/UPS/USPS. Called Amex and got bounced around between new accounts and customer service. They can see the cards sent out as “rush” but no tracking info. They are saying I should have received them but since the account is new they can’t issue replacement cards even though these are very likely lost somewhere until 14 days have passed. I’m going on a business trip Sunday night, and that trip is the reason why I went for the cards since I will be able to meet the spends for the SUB with business expenses that will be reimbursed. Not really the kind of service I was expecting from Amex. Called like 3 times and everyone saying the same thing.