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AMEX ED + PRG APPROVED 19 YR OLD

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Anonymous
Not applicable

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
Anonymous
Not applicable

Re: AMEX ED + PRG APPROVED 19 YR OLD

Great cards and scores period. Stellar at 19. Congrats. Good work.
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 08-07-2023



Message 5 of 11
Anonymous
Not applicable

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
Anonymous
Not applicable

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
Anonymous
Not applicable

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. 

Message 8 of 11
Anonymous
Not applicable

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!

Currently in My Wallet:

Auto Loan:

Future Credit Cards:


Message 10 of 11
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