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AMEX ED + PRG APPROVED 19 YR OLD

sapphireminer
Frequent Contributor

AMEX ED + PRG APPROVED 19 YR OLD

I caught the holiday app spree fever. Saw 25k/2k spend for ED and 50k/2k spend for PRG incognito...so I said why not go for it.

 

Instantly approved for $10k for ED (same as my CSP, guess Amex really is in competition) and PRG! Yippee! No INQ thus far, so we shall see! Was previously pre-qual for ED, PRG, and BCE.

Update: pulled EX 

 

Can't wait to make it $30k Smiley Wink Time to sit in the garden for 23 months until I can downgrade CSP to FU, app for CSR, and get that bonus!

 

Age: 19

Income: $55,000 (working, not in college)

FICO 8 Experian: 755

AAoA: 9 months

Accounts: 3 credit cards, 1 SSL

  1. Chase Freedom $3,000 (opened 10/16)
  2. Capital One QS $750 (opened 11/16)
  3. Alliant SSL $500 (opened 06/17)
  4. Chase Sapphire Preferred $10,000 (opened 10/17)

INQ: 4

UTI: 2%

10 REPLIES 10
SomewhereIn505
Valued Contributor

Re: AMEX ED + PRG APPROVED 19 YR OLD

Congrats! And great job on working on your credit so early in life!

3/16/18 FICO9 TU-700 EQ-669 EX-716
6/26/18 FICO9 TU-750, EQ-672, EX-789

Message 2 of 11
AverageJoesCredit
Legendary Contributor

Re: AMEX ED + PRG APPROVED 19 YR OLD

19 and the world is yours Smiley Happy Great jobSmiley Happy
Message 3 of 11
4theLoveofPoints
Valued Contributor

Re: AMEX ED + PRG APPROVED 19 YR OLD

Great cards and scores period. Stellar at 19. Congrats. Good work.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 4 of 11
Adkins
Legendary Contributor

Re: AMEX ED + PRG APPROVED 19 YR OLD

Congratulations on your approvals! You've got a great base of cards to use in the future!

Last HP 06-21-2022



Message 5 of 11
sapphireminer
Frequent Contributor

Re: AMEX ED + PRG APPROVED 19 YR OLD

Thanks everyone! Time to baby these cards and watch the ED grow! As my habits change, I want to PC the ED to EDP and PRG to Platinum. But for now, I'm very content Smiley Very Happy

 

Thank you everyone on this forum for making my journey possible!

Message 6 of 11
sapphireminer
Frequent Contributor

Re: AMEX ED + PRG APPROVED 19 YR OLD

Btw, APR is 19.24%. Pre-qual stated 16.24%, but only had 15k/1k offer.

Message 7 of 11
bossbabybrad1
Frequent Contributor

Re: AMEX ED + PRG APPROVED 19 YR OLD

Congratulations! You'e on your way. Amex is on my radar, but won' app until they give me a pre-approval later on. 

FICO as of 02/13/2018: 669 EQ Fico 8, 709 TU Fico 8, 716 EX Fico 8
5/3 Truly Simple MC #1 $5k | 5/3 Truly Simple MC #2 $4k | Banco Do Brasil Platinum Visa $3k | Home Depot $2k | HSBC Cash Rewards MC $1.5k | BMO Harris Cash Back MC $1.5k | BMO Harris Platinum Rewards MC $1.2k | HSBC Platinum Rewards MC $1k | Best Buy Visa $1k | Commerce Bank Drury Key Club Visa $1k | Citi Shell Card $0.8k | Penfed Power Cash Rewards $0.5k | Capital One QS1 $0.3k | Macy’s $5k
Message 8 of 11
Dionysios123
Valued Member

Re: AMEX ED + PRG APPROVED 19 YR OLD

@

 

I'm going the same route as you (exact same cards), but I'm 18 still. Just an idea, that my CPC banker gave me, apply for CSP when comfortable (you already have it), get credit limit increase, and then product change to CSR. I have a feeling the UW criteria are lower for PC to CSR from CSP, rather than direct applying. Just an idea....

 

 

Good luck!

 

Amex PRG

Cap One Quicksilver

Discover Chrome

Going for Chase Freedom in 6 months!

Message 9 of 11
theBeardedNerd
Regular Contributor

Re: AMEX ED + PRG APPROVED 19 YR OLD

Congrats on your approvals!

Current Credit Cards:

Future Credit Cards:


Message 10 of 11
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