topic Re: AMEX Premier Rewards Gold in Credit Cards

AMEX Premier Rewards Gold

Anonymous — Thu, 21 Jan 2016 21:45:22 GMT

I got 2 applications from AMEX with RSVP codes. Should I go for it?

Re: AMEX Premier Rewards Gold

Anonymous — Thu, 21 Jan 2016 21:58:53 GMT

Scores? AAOA? Inquiries? If you are 675+ with out a ton of new accounts, you could also apply for a credit card at time of application and have it fall under the same inquiry. Check online for prequalified offers maybe the blue cash everyday has a targeted offer for you. Make sure you get the 50k mr offer on the PRG, you may have to use the incognito/inprivate feature on your web browser to get it. PRG/plat/geen are easiest of all amex cards to get, 2nd easiest would be delta gold or hilton.
@Anonymous wrote:
I got 2 applications from AMEX with RSVP codes. Should I go for it?

Re: AMEX Premier Rewards Gold

dragontears — Thu, 21 Jan 2016 22:08:30 GMT

@Anonymous wrote:
I got 2 applications from AMEX with RSVP codes. Should I go for it?

Based off this thread you started (http://ficoforums.myfico.com/t5/Credit-Cards/What-credit-cards-am-I-qualified-for/td-p/4419086) I would say no....

Re: AMEX Premier Rewards Gold

myjourney — Thu, 21 Jan 2016 23:23:13 GMT

Welcome to the forum

I'll say this the best way possible so please don't take offense

You don't even know your true Fico scores Lol

If they are remotely close to the TU 577 in the other thread which I'm not sure is Fico as well ....NO ....no one will approve you for anymore cards at this time

Do you really think that the answers in this thread will be any different than the other? I think not sorry but truth

One medical collection will not have scores that low unless it's an astronomical $ amount with high UTL and short history

Re: AMEX Premier Rewards Gold

Anonymous — Fri, 22 Jan 2016 02:55:38 GMT

it's maybe $10k in medical fees. I have it down to $200 right now. It's also one year old

Re: AMEX Premier Rewards Gold

ryox03 — Fri, 22 Jan 2016 12:38:37 GMT

What report is that medical on? Would probably have a better shot with the medical off the reports. For what its worth, I was approved for the Amex's below a couple of days ago with the scores shown.

Re: AMEX Premier Rewards Gold

Anonymous — Fri, 22 Jan 2016 13:33:55 GMT

@Anonymous wrote:
I got 2 applications from AMEX with RSVP codes. Should I go for it?

No. I had similar situation. I have one AmEx PRG. Month or two later found an invitation letter with RSVP code for the same card. So, first, I asked online representative if I can go for the second same card. He said yes. So, I applied and it was instant denial.

Re: AMEX Premier Rewards Gold

takeshi74 — Fri, 22 Jan 2016 15:16:33 GMT

@Anonymous wrote:
I got 2 applications from AMEX with RSVP codes. Should I go for it?

No idea based on what you've presented in your OP. It's not just about the card, offers, RSVP codes, etc. You have to determine if any card fits your needs/wants. You should be starting with your requirements and using that to find cards that suit you versus just responding to offfers.

For programs like Membership Rewards you need to consider the redemption methods you can use and how that impacts rewards value. For any rewards card you need to be running the numbers for your spend. Make sure you have sufficient spend to make use of MR. Programs like this typically require a large amount of spend.

@Anonymous wrote:
it's maybe $10k in medical fees. I have it down to $200 right now. It's also one year old

A collection? Definitely no then. Your credit profile certainly matters as well. Get your reports clean before applying for anything. Hit the Rebuilding subforum and carefully research. Paid won't help much,. You need to aim for removal.

Re: AMEX Premier Rewards Gold

Anonymous — Fri, 22 Jan 2016 15:15:10 GMT

@Anonymous wrote:
it's maybe $10k in medical fees. I have it down to $200 right now. It's also one year old

Don't apply and just work on your credit reports to remove baddies and get your scores up. Otherwise, you will just be wasting hardpulls now.