Just wanted to share some data points, I've had a delta gold for about 2 months now and had been eyeing the prg for a little while but didn't think I'd be approved. I read on here some people getting approved without hard pulls, decided to roll the dice and instant approval, no hard pull as of yet (apped 2 days ago)!
Ex 651 - inquiries 8 from past year. Decided to roll the dice with the Hilton card but no dice
I suppose I'll give it a couple months!
Super excited about the prg yessss!!
Ex 651 - inquiries 8 from past year. Decided to roll the dice with the Hilton card but no dice
I suppose I'll give it a couple months!Super excited about the prg yessss!!
Congrats on the PRG! The NPSL took me a bit to figure and if you've had an AmEx charge card before disregard this, but if not this might help.
With the NPSL AmEx says your "soft limit" fluctuates based on your history with AmEx. For my PRG it was very specific.
The "spending power" was always equal to 3 times the amount of my largest payment in the previous rolling 6 months. This applies to a single payment, not multiple ones to equal a monthly bill.
Sample Payments: Mar $500, Apr $450, May $1500, Jun $0, Jul $500, Aug $25 ----- if I hit the spending power button today (Sept) it would return "you're Approved up to "$4,500" (In the last 6 months $1500 was the largest, so $1500 x 3)
It's a rolling 6 months so it would stay at $4,500 until December assuming no more payments from Jun to Dec were greater than $1500. As soon as I made a payment greater than our sample $1500, it would recalculate to 3x that greater amount.
I wanted to know how this part of the NPSL worked quickly to avoid being declined a charge while I was out and about. Knowing this, I never had a declined charge. YMMV, but thought I'd share. Congrats again!
Congrats!! 
They seem to have a few little "project programs" that let you pay a balance over a few months. I have the POT (pay over time) but my limit is only $20k. I also have the Select-N-Pay Later which is a little neater. With that one, I can choose to finance a charge that was $100 or more while everything else is still due at the end of month. That limit is $10k for my card. I only have those 2 programs on my PRG.
Ive read quite a bit that although AmEx loves to announce these programs they are not very keen on you actually using it. YMMV. I know there are more programs out there but the one consistent thing is they all seem to be invite only. They'll send you a letter telling you "effective xx/xx/xxxx you now have..."
Ive read quite a bit that although AmEx loves to announce these programs they are not very keen on you actually using it. YMMV. I know there are more programs out there but the one consistent thing is they all seem to be invite only. They'll send you a letter telling you "effective xx/xx/xxxx you now have..."