topic AMEX Gold in Credit Card Applications

AMEX Gold

Anonymous — Wed, 20 Jan 2016 02:52:12 GMT

Hey guys long time lurker here, I recently opened up 5 new TL back in October and have been very good wth them so far. I was looking to get an AMEX PRG to help me with my horrendous habit of overspending and carrying a balance for long. A charge card would help me focus on what im spending month to month and not buy large items. What are my chances?

Income $50k rent $400

My Stats according to Chase Slate FICO scores

Score as of 1/2/16: 711

No missed payments

Longest Acc: 8 years 3 months

Newest account 2months

AAoA: 21 months

18% utilization

3 INQ in last 3 months

6 INQ last 2 years

8 Open active accounts

1 medical collections back in september (working on getting it off)

Accounts are

AMEX BCE: $80/ recently CLI to $6000

Credit Union CC: $130/2500

Credit union LC: $1760/2000

Discover IT: $610/1000

Citi Double Cash: $50/1000

Chase Slate: $500/1000

AU on Cap 1 0/500

Motorcycle Loan

Re: AMEX Gold

elim — Wed, 20 Jan 2016 03:20:00 GMT

A friend of mine did the same thing to limit their spending and it is working well. I'm to smart for that. I'll just reach in the safe and grab a revolver when i need to float so ehh, lol

I would wait till you reach 6 months and grab what you need (that works for me), but being you aren't looking for a certain limit because it's not a revolver. you never know. Either way it's a SP if you don't. No harm no foul.

Re: AMEX Gold

Anonymous — Wed, 20 Jan 2016 03:18:31 GMT

Welcome to the board. The charge cards are easier to get. Based on your profile, you should have no problem getting approved. Update with results if you do apply.

Re: AMEX Gold

Anonymous — Wed, 20 Jan 2016 03:41:35 GMT

@Anonymous wrote:
Welcome to the board. The charge cards are easier to get. Based on your profile, you should have no problem getting approved. Update with results if you do apply.

Any required FICO number on the charge cards? I have my sights set towards the PRG...

Re: AMEX Gold

Anonymous — Wed, 20 Jan 2016 03:52:16 GMT

@Anonymous wrote:
@Anonymous wrote:
Welcome to the board. The charge cards are easier to get. Based on your profile, you should have no problem getting approved. Update with results if you do apply.
Any required FICO number on the charge cards? I have my sights set towards the PRG...

What are your scores? Any baddies? Amex is not inquiry sensitive and known to pull Experian. But whatever they pull will be based on your state/ region. The best way to gauge the ranges and scores people were approved at is to consult the credit pull database.

Just google it as it can't be linked here and there, you will be able to type in your state, the card and it will give you a snapshot of scores people were approved at.

Re: AMEX Gold

Anonymous — Wed, 20 Jan 2016 03:57:11 GMT

@ Yes-Its-Me

When they sent me the revolver that I apped for (the Delta that I badly wanted), they had me at 703 EX. They did give me a 5 digit limit on it. I thought about applyin for the PRG but I had just came from NFCU and had apped for the Plat MC and had gotten approved -also for a high limit. So, I thought about not pushing my luck.

No baddies, lates, nothing.

Re: AMEX Gold

Anonymous — Wed, 20 Jan 2016 03:58:22 GMT

@Anonymous wrote:
@ Yes-Its-Me

When they sent me the revolver that I apped for (the Delta that I badly wanted), they had me at 703 EX. They did give me a 5 digit limit on it. I thought about applyin for the PRG but I had just came from NFCU and had apped for the Plat MC and had gotten approved -also for a high limit. So, I thought about not pushing my luck.

No baddies, lates, nothing.

What state are you in? Type in and I will check something quickly..

Re: AMEX Gold

Anonymous — Wed, 20 Jan 2016 03:58:40 GMT

@ Yes-Its-Me

I'll get on Google right now. Thanks!

Re: AMEX Gold

Anonymous — Wed, 20 Jan 2016 03:59:01 GMT

Virginia

Re: AMEX Gold

Anonymous — Wed, 20 Jan 2016 04:01:37 GMT

@Anonymous wrote:
Virginia

They pull 99% experian and you are golden. You should have no problem getting it. Update the thread should you apply..

Re: AMEX Gold

Anonymous — Wed, 20 Jan 2016 04:03:54 GMT

@Anonymous wrote:
@Anonymous wrote:
Virginia
They pull 99% experian and you are golden. You should have no problem getting it. Update the thread should you apply..

Awesome! I certainly will. I greatly appreciate your help man, thanks!

Re: AMEX Gold

Anonymous — Wed, 20 Jan 2016 04:07:21 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Virginia
They pull 99% experian and you are golden. You should have no problem getting it. Update the thread should you apply..

Awesome! I certainly will. I greatly appreciate your help man, thanks!

You are welcome and have a swell evening..

Re: AMEX Gold

OmarGB9 — Wed, 20 Jan 2016 04:29:23 GMT

Definitely golden and the PRG is an awesome
Card. I love mine.

Re: AMEX Gold

Anonymous — Wed, 20 Jan 2016 05:49:03 GMT

I didnt realize that as an amex holder any additional CC denials will only be a SP, so I went for and app'd. It gave me the 7-14 day message... I was pretty bummed and was suprised to be truthful.

But, 10 minutes later I got an email saying I was approved! Now just have to wait for it in the mail and to garden for a long, long time. Thanks for informing me guys!

let us know if you get approved too Evil!

Re: AMEX Gold

OmarGB9 — Wed, 20 Jan 2016 05:48:15 GMT

Well *usually* denials result in only an SP for existing card members, but there have been those that were hit with an HP on a denial. YMMV. In any case, congrats, and which bonus offer did you get?

Re: AMEX Gold

Anonymous — Wed, 20 Jan 2016 05:50:19 GMT

I got the 25,000 MR points, Im not aware of any other offers.

Re: AMEX Gold

OmarGB9 — Wed, 20 Jan 2016 05:55:42 GMT

I got mine under a 50k MR offer. They say it's still around if you look hard enough under private browsing/incognito mode.

Re: AMEX Gold

Anonymous — Wed, 20 Jan 2016 13:08:23 GMT

@Anonymous wrote:
I didnt realize that as an amex holder any additional CC denials will only be a SP, so I went for and app'd. It gave me the 7-14 day message... I was pretty bummed and was suprised to be truthful.

But, 10 minutes later I got an email saying I was approved! Now just have to wait for it in the mail and to garden for a long, long time. Thanks for informing me guys!

let us know if you get approved too Evil!

Congrats on your approval and enjoy it...

Re: AMEX Gold

Anonymous — Wed, 20 Jan 2016 14:48:10 GMT

Congrats! The PRG is a great card! They usually overnight the charge cards so you should have it rather quickly!

Re: AMEX Gold

elim — Wed, 20 Jan 2016 15:36:52 GMT

@Anonymous wrote:
I didnt realize that as an amex holder any additional CC denials will only be a SP, so I went for and app'd. It gave me the 7-14 day message... I was pretty bummed and was suprised to be truthful.

But, 10 minutes later I got an email saying I was approved! Now just have to wait for it in the mail and to garden for a long, long time. Thanks for informing me guys!

let us know if you get approved too Evil!

nice congrats.