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American Express PRG NPSL Approval

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Established Member

American Express PRG NPSL Approval

Just got approved for Amex Gold. They pulled EX, current score sitting at 703 FICO8. Feels great to be back in with AmEx. I had defaulted on a Green charge card back in 2004. They denied me for a Delta card in August, but I decided to shoot my shot again, and was approved this time. It wasn't an instant approval, and I didn't have a pre-approval due to the fraud alert on my file, but as soon as I called the new accounts line, and they verified my identity I got the approval email before the rep could get back on the line to tell me I was approved.

 

I know that some have posted of getting additional cards with Amex without another hard pull. Do you need to wait to apply for the second card until a statement prints, or can I do it already? I want the SPG card as I stay with them a lot

My Rebuild Journey
(2/16/2018)
(9/3/2018)
(10/10/2018)
Discover IT Secured $1200Capital One Platinum $750NFCU Flagship Visa Sig $6000NFCU CLOC $11,500Amex Secured $300NFCU Amex More Rewards $18000BoFA CashRewards $3000
Message 1 of 16
15 REPLIES
Regular Contributor

Re: American Express PRG NPSL Approval

OP,

That is awesome!! It appears that you’ve gained @150 point increase in your scores since Feb 2018. Any major to attribute to this success?








Message 2 of 16
Established Member

Re: American Express PRG NPSL Approval

Few things lead to the drastic score jump. # 1 was understanding that even though I PIF every month, I was letting balances report every month showing my cards almost maxed out every month. My credit lines were tiny toy limits, and once I understood to payoff before statements cut, that gave me a very healthy boost.

# 2 getting some errors corrected. I had a merged file with my dad that has the same name and because we moved to the US together 30 years ago, our social security numbers were issued in sequence. That was a major headache to sort out and I’m glad I got it taken care of. He’s filed for Ch 7 and that was all on my reports.

#3 pay for deletes with collections showing
My Rebuild Journey
(2/16/2018)
(9/3/2018)
(10/10/2018)
Discover IT Secured $1200Capital One Platinum $750NFCU Flagship Visa Sig $6000NFCU CLOC $11,500Amex Secured $300NFCU Amex More Rewards $18000BoFA CashRewards $3000
Message 3 of 16
Valued Member

Re: American Express PRG NPSL Approval

I got approved for my 1st AMEX Delta and a week later approved for a AMEX HH card that showed pre-approved. 


10/7
EQ 618
TU 636
EX 625
Message 4 of 16
Valued Contributor

Re: American Express PRG NPSL Approval

Congratulations on your approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 5 of 16
Established Contributor

Re: American Express PRG NPSL Approval

Congrats on your Amex Gold Card approval! Yes, you can go for another Amex card now. Most likely just a SP. Smiley Very Happy


FICO 8 [03/2013]
FICO 8 [01/2016]
FICO 8 [12/2018]
GOAL: FICO 8: 760 across the board by 2/2020!
Message 6 of 16
Established Contributor

Re: American Express PRG NPSL Approval

congrats on the new card and very nice rebuild.



Take the myFICO Fitness Challenge



Starting Scores

Current Scores

Goal Scores
Message 7 of 16
Established Contributor

Re: American Express PRG NPSL Approval

Congrats on the approval!!  



Message 8 of 16
Senior Contributor

Re: American Express PRG NPSL Approval

congrats!!


Message 9 of 16
Regular Contributor

Re: American Express PRG NPSL Approval

Apply for the Delta Reserve or Hilton Aspire or SPG Luxury - NOW.

They will use ur current credit that they pulled and it will be a SP.

I know the fees are $450 BUT believe it or not ITS THE EASIEST TO GET APPROVED FOR. TRUST ME.

Keep us posted.


Message 10 of 16