*** Update PRG 50k APPROVED!*** Help!!! BCE approval, add PRG or Delta Gold same time?

[Caught750]

Hey all, I’m very very new here. I’ve been actively rebuilding for a few months and have added a QS, QS1, and Discover IT. I just hit a big milestone and met a goal, getting with Amex. I just got a BCE approval with zero sign up benefits and a 500 limit, but I’m in! Would adding a PRG or delta gold at the same time be wise? PRG is pre qualified with a 25k bonus for 2k spend. The delta gold is showing 30k for same spend but is not showing under prequalified offers. From reading here I’d imagine it’s as much a guarantee as possible and is likely a much higher SL than I was given on the BCE, does that sound right? Scores are below.

[Anonymous]

I added PRG and Delta Blue Skymiles card after getting approved for the BCE with the same terms as yours. The BCE was approved for $1,000 with an increase after 5 months of timely payments. The Delta Blue Skymiles card was approved for $1,000 as well. Amex pulled Experian and my Fico 8 score at the time was 702. I applied for the PRG then the DBS card a few days later. They may just match the Delta Gold with the same CL as your BCE. Good luck.

[Shadowfactor]

I would advise you to check the terms carefully. As getting in with the steps program prohibits you from getting the SUB.

Since Amex only allows you to get the signup bonus once in a lifetime for each card product. If you don’t get the signup bonus your out of luck. So basically getting any more cards at this time will prevent you from ever getting a signup bonus on that card even though you didn’t get one in the first place.

You might be able to get it on the PRG since it doesn’t have a credit limit and they can’t give you the steps program. But I would imagine if you added the Delta, if approved would be on the same steps program as the BCE.

[Caught750]

In that case I’d likely hold off on the Delta and wait for an extra zero in there. I’d been seeing some much higher limits on that so thought it may be worth it for the points. I don’t want to have to grow two cards at once (given their CLI policies). Thanks for the data points! I’ll build a relationship with them and go from there. PRG is a maybe as I like the EDC and EDP as well which also run on their MRs

[Anonymous]

I'd hold off on the Delta, but maybe try the PRG.  I just got one via a 50k incognito offer.  So if you do it, don't take the 25k offer.   

[Caught750]

Thanks! A 50k offer would definitely make it worth it. We are planning a trip, for at least 4 people, in early 2019 so the MRs would def be used to make at least one years fee worth it. How do I find 50k?

[Caught750]

Thank you everyone!!! I took your advice, found a 50k PRG offer and was APPROVED instantly

[simplynoir]

Congrats there!

[gdale6]

Thread closed. Approval is here http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Finally-in-with-Amex-UPDATE-PRG-50k-also/m-p/5...