Want to pull trigger on AMEX SPG, Advice

[Outdoorstech1]

I received my first Amex, BCED card Last March, with a $5k limit and was approved with a 672 FICO.  I recently asked for a CLI on the card but was denied because apparently I asked once before within the past 90 day's and was denied because my balance on the card was $4,400 out of my $5k limit. IAs of today my balance is $3,800, and always paying every two weeks. 

I really want to bite on the 35,000 bonus points on the SPG card before this month is over. Is that a tougher card to acquire? 

I heard they usualy always pull Experian and my Experian MYFICO is currently at 721 and since last march I've have two collections come off my reports, and one baddie pay off. So I am wondering if I would be approved or not. I did try AMEX pre approval link but it could not put me with a card at this time. Is it possibly due to the high balance on my current AMEX card, will that affect me getting approved for the SPG card? 

Any tips, insite, advice? Thanks guys! 

[ojefferyo]

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@Outdoorstech1 wrote:

I received my first Amex, BCED card Last March, with a $5k limit and was approved with a 672 FICO.  I recently asked for a CLI on the card but was denied because apparently I asked once before within the past 90 day's and was denied because my balance on the card was $4,400 out of my $5k limit. IAs of today my balance is $3,800, and always paying every two weeks. 

I really want to bite on the 35,000 bonus points on the SPG card before this month is over. Is that a tougher card to acquire? 

I heard they usualy always pull Experian and my Experian MYFICO is currently at 721 and since last march I've have two collections come off my reports, and one baddie pay off. So I am wondering if I would be approved or not. I did try AMEX pre approval link but it could not put me with a card at this time. Is it possibly due to the high balance on my current AMEX card, will that affect me getting approved for the SPG card? 

Any tips, insite, advice? Thanks guys! 

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Your score falls within the range for the card however if you go for the card with the high balance on the card you may get a low CL on the SPG

[Outdoorstech1]

Bump anyone else have any input?

[Anonymous]

My experience...I always heard that this was one of the tougher Amex cards to get. However I really wanted the 35k points. I applied with a 670 EX and was approved for 5K. This was my first Amex. I had applied for a PRG back in October with a 642 and was denied. I would think you have a good chance but obviously I'm no expert.

[UncleB]

Another data point... once you have an account with Amex, the pre-qual site doesn't work anymore (or at least it doesn't for most folks); it will just tell you to log in to your account. 

In my own case I was approved for the BCP with an EX of 695 (with no pre-qual for anything) so don't let lack of a pre-qual offer discourage you.

Good luck!

[Outdoorstech1]

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@UncleB wrote:

Another data point... once you have an account with Amex, the pre-qual site doesn't work anymore (or at least it doesn't for most folks); it will just tell you to log in to your account. 

In my own case I was approved for the BCP with an EX of 695 (with no pre-qual for anything) so don't let lack of a pre-qual offer discourage you.

Good luck!

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Thanks. That's good to hear. I was a little nervous Amex couldn't match me to a card. And another note my TU score increased+34 points today to 719. 

[Anonymous]

I'm just rooting for someone to get the card!  Sweet sign on bonus. GL!

[Outdoorstech1]

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@Anonymous wrote:

I'm just rooting for someone to get the card!  Sweet sign on bonus. GL!

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I may pull the trigger Monday. 

[SouthJamaica]

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@Outdoorstech1 wrote:

I received my first Amex, BCED card Last March, with a $5k limit and was approved with a 672 FICO.  I recently asked for a CLI on the card but was denied because apparently I asked once before within the past 90 day's and was denied because my balance on the card was $4,400 out of my $5k limit. IAs of today my balance is $3,800, and always paying every two weeks. 

I really want to bite on the 35,000 bonus points on the SPG card before this month is over. Is that a tougher card to acquire? 

I heard they usualy always pull Experian and my Experian MYFICO is currently at 721 and since last march I've have two collections come off my reports, and one baddie pay off. So I am wondering if I would be approved or not. I did try AMEX pre approval link but it could not put me with a card at this time. Is it possibly due to the high balance on my current AMEX card, will that affect me getting approved for the SPG card? 

Any tips, insite, advice? Thanks guys! 

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You're not going to be approved, so don't do it.

[Anonymous]

lol. i will laugh in your face if OP gets it. that's probably one of the more ridiculous replies i have seen on here in a situation like this. it's POSSIBLE they won't but by no means is it a guaranteed failure.

OP keep in mind if you're denied for it then it will MOST likely be a soft pull.