Approved for Citi Prestige and AMEX SPG

[Ghoshida]

Citi:

$13,000 SL.

Not sure what they pulled but it's probably either EX (754, AMEX) or TU (759, Discover). 

I tried the 50,000 TY points for $5k spend. 

In other credit news, I got a SP CLI of $1.5k each on my 3 US Bank cards.

Edited to add:

Income: High-ish 5 digits

Other Citi cards: Dividend Platinum, since early 2013. Current CL is $10,500. 

Current highest CL across all cards is with Discover, $40,000. Highest recent SL is from Chase, on the CSR last year, at $25,400. 

Utilization: Multiple of my cards report balances; overall utilization is probably <2% but for the cards reporting, they're as high as 20%. 

AMEX :

$10,000 SL 

Went for the 35,000 bonus points offer.

Other AMEX cards: BCE turned BCP, $25,000 CL. Recently cancelled PRG before the first AF was due.

Should have been an EX pull.

[peghede]

Congrats on your citi.

[joesbrat67]

Congrats!  I've been waivering between getting the Premier vs Prestige, but I'm not sure that I can warrant the $450 Prestige AF, even with the $250 credit, the 4th night special and the global entry fee credit.

I'd be interested to know how you went about the decision process to get Prestige.  It may help me to make a better final decision.

Thanks!

[Ghoshida]

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@joesbrat67 wrote:

Congrats!  I've been waivering between getting the Premier vs Prestige, but I'm not sure that I can warrant the $450 Prestige AF, even with the $250 credit, the 4th night special and the global entry fee credit.

I'd be interested to know how you went about the decision process to get Prestige.  It may help me to make a better final decision.

Thanks!

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The bonus difference takes care of the $200 AF that the airline credit doesn't. On an ongoing basis, the 4th night should be enough. I'll review it again when the anniversary comes, though. 

[K-in-Boston]

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@Ghoshida wrote:

AMEX : 

...

Should have been an EX pull.

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Recent experience for myself and a lot of others is that AmEx is no longer doing HPs when existing members apply for new personal products - no sign of a HP for my SPG last month, for instance.  Congrats on your approvals and CLIs, good luck with the $10k of combined spend, and enjoy those TY and SPG points!

[joesbrat67]

I found this little gem to support K-in-Boston's statement.  If you're a current AMEX cardholder (like myself), then if you apply for subsequent cards, they will use data from SPs done on a recurring basis.  This approach is used to confirm that there's been no signifcant changes in your credit report since the issuance of your first AMEX card:

https://www.milevalue.com/no-initial-hard-credit-pull-for-existing-amex-cardholders/

Hope this helps!

[kidink1911]

Congratulations!!

[credit_endurance]

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@joesbrat67 wrote:

I found this little gem to support K-in-Boston's statement.  If you're a current AMEX cardholder (like myself), then if you apply for subsequent cards, they will use data from SPs done on a recurring basis.  This approach is used to confirm that there's been no signifcant changes in your credit report since the issuance of your first AMEX card:

https://www.milevalue.com/no-initial-hard-credit-pull-for-existing-amex-cardholders/

Hope this helps!

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Great article thanks for posting this. But so I can really understand this... If your pre approved for a product by Amex its a hp? But if you just cold app for a product it's a sp?

[joesbrat67]

The way that the article is written, I interpret it as - if you're already a cardholder (whether pre-approved or not), any subsequent card app is a SP.  Assumption is that the first card is always a HP.  

[CreditCuriosity]

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@joesbrat67 wrote:

The way that the article is written, I interpret it as - if you're already a cardholder (whether pre-approved or not), any subsequent card app is a SP.  Assumption is that the first card is always a HP.  

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Don't want to hi-jack this thread to much, but basically how AMEX use to work and how they work now are a bit vague... lets start out with the past...

If you were an EXISTING card member 99% change it would be a SP if a denial, but upon approval it would then turn into a HP.  You could get a Revolver and a Charge card by 1 HP by this method.. This was in the past.. New to Amex would always result in a HP..

With that said there is alot of datapoints that existing card members are not getting hit by HP's for new accounts these days and AMEX is just using SP's of their current account standing.  As always expect a HP even if you are an AMEX card holder with this very "new" things of SP's happening.  

Hopefully this clears it up..  It was fairly common knowledge of the first scenario of SP denials of existing card members if yielded approval then turned to HP.  The second scenario mentioned of SP for new products of existing card holders is new territory, but article you linked referred to the first thing I spoke about..

@OPcongrats on two nice approvals!