Just wanted to share a data point.
So I've been going thru a fradulant charges battle with PenFed on my Platinum rewards card which they have reported 1 missed payment. And this has been a known issue of my account being taken over since febuary (i know right?). dropped my score by 25 points. But knowing my relationship with amex, which is perfect, i know it shouldnt be an issue.
Asked my friend for her referral link to her Business Bonvoy and had a go at it. Upon applicaiton, Amex requested to link to a bank to see charge/payment history (kinda like their own financial review). Took about 2 mins. No HP. Approved for $3k SL and the 75k SUB for $3k Min Spend with the $125 AF and annual free night. Definitely a keeper card for me in the future.
Marks 5th amex this year. Only one hard pull from Jan for the Amex Business Prime card.
EX8 Score at the time of application - 724
Stated Income $126k (I run a consulting business)
5/24 until march of 2022
1 INQ in the passed 10 months
PayDex Score of 80
Started my relationship with Amex this year in January 2021. No personal cards with them as i want to get back under 5/24.
@mchang124 wrote:Just wanted to share a data point ...
Good stuff 
-- Congrats! & thanks for the DPs.
@mchang124 wrote:Just wanted to share a data point.
So I've been going thru a fradulant charges battle with PenFed on my Platinum rewards card which they have reported 1 missed payment. And this has been a known issue of my account being taken over since febuary (i know right?). dropped my score by 25 points. But knowing my relationship with amex, which is perfect, i know it shouldnt be an issue.
Asked my friend for her referral link to her Business Bonvoy and had a go at it. Upon applicaiton, Amex requested to link to a bank to see charge/payment history (kinda like their own financial review). Took about 2 mins. No HP. Approved for $3k SL and the 75k SUB for $3k Min Spend with the $125 AF and annual free night. Definitely a keeper card for me in the future.
Marks 5th amex this year. Only one hard pull from Jan for the Amex Business Prime card.
EX8 Score at the time of application - 724
Stated Income $126k (I run a consulting business)
5/24 until march of 2022
1 INQ in the passed 10 months
PayDex Score of 80
Started my relationship with Amex this year in January 2021. No personal cards with them as i want to get back under 5/24.
Congratulations! I agree, it's definitely a keeper card. I'll be applying for that myself next year.
