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Approved for my first AMEX...kinda

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Approved for my first AMEX...kinda

I've always viewed AMEX card as the pinnacle of credit card ownership. I now know that there are other cards that are just as prestigious if not more, but growing up I always knew that a person whipping out a Green, Gold or Platinum AMEX that they had their credit life together! So I've always wanted one and figured it would be years before I got my score up into the mid to high 700s before I could even think about getting one of those cards. 

 

Well for some crazy reason I googled for CC pre-qualifications and AMEX pre-qualify page appeared. I entered my info and the AMEX Gold Delta Skymiles card came back as a qualification. Now I've done AMEX pre-quals as well as countless other pre-quals more times than I can count and I've NEVER had not one card come back as me being qualified for it (not counting like Credit One Bank or other trash cards). So for anything to come back on the AMEX site was mindblowing. 

 

I proceeded to click on the apply button, filled out the form and click submit, fulling thinking that there's no way that it would ACTUALLY go through...But it did!! I was so excited to be approved for it! It only gave me a 5K limit but I didn't even care about that. It was just the fact that I was approved at all. 

 

Now I put "kinda" in my title because I don't consider the Gold Delta Rewards card to be a REAL AMEX card. Remember in my mind only those classic Green, Gold and Platinum charge cards count so I don't feel like I've "arrived" with AMEX until I'm sporting one of those bad boys in my wallet. That said I'm still happy to get what I have. Especially with a bankcard score 8 ranging of 664 EQ, 690 EX & 723 TU and a BK in 2013 on TU and EX. 

Rebuilding credit since April 2013 ((Ch7 BK discharge)):
$10k -
$5k - Secured
$5k - Secured
$6k -
$10K -
$2.5k - (Previously Secured)
$6k - Secured Business
$5k -
$1.6k -
$2k - Secured
Car Loan $19k -
Car Loan 44k -
Student Loan $72k.
Mortgate $380K
01/2018: Fico8 EX 689, TU 659, EQ 689.
05/2018: Fico8 EX 683, TU 706, EQ 665
11 REPLIES 11
Established Contributor

Re: Approved for my first AMEX...kinda

Congrats! If you got approved for the GD, you should be able to grab the PRG. Log into your account and see what it says
Message 2 of 12
Established Member

Re: Approved for my first AMEX...kinda

Congrats! I plan on getting one hopefully in the future as well!!

TransUnion: March 2017 - Score 519
Equifax: March 2017 - Score 549
TransUnion: April 2018 - Score 605
Equifax: April 2018 - Score 695
TransUnion: August 2018 - Score 602
Equifax: August 2018 - Score 700


GOAL: 750

Message 3 of 12
Valued Contributor

Re: Approved for my first AMEX...kinda

The qualification for a credit card is more stringent than a charge card.  If you wanted the PRG you could have it today.

Ch 7 Discharge 3/12/2018
Cap One QS1 $3,500, Wayfair $5,000, Blaze MC $3,000, Kohls $1,000
Infiniti Financial lease

Message 4 of 12

Re: Approved for my first AMEX...kinda

Nope, I just went and tried and got rejected for the PRG. "

We can't approve your application.

 

You'll receive a letter within the next 10 business days explaining the specific reason. Thanks for your interest in an American Express card."

Rebuilding credit since April 2013 ((Ch7 BK discharge)):
$10k -
$5k - Secured
$5k - Secured
$6k -
$10K -
$2.5k - (Previously Secured)
$6k - Secured Business
$5k -
$1.6k -
$2k - Secured
Car Loan $19k -
Car Loan 44k -
Student Loan $72k.
Mortgate $380K
01/2018: Fico8 EX 689, TU 659, EQ 689.
05/2018: Fico8 EX 683, TU 706, EQ 665
Message 5 of 12
Established Contributor

Re: Approved for my first AMEX...kinda

Well that's odd. I applied for and was approved for my prg before the bce. The prg denial won't affect your cr it anything so no worries.
Message 6 of 12
Contributor

Re: Approved for my first AMEX...kinda

Congrats. Hoping to get my first Amex very soon
6/21/2018 Fico 8: EQ 654 TU 673 EX 685
Message 7 of 12
Senior Contributor

Re: Approved for my first AMEX...kinda

Congrats on Approval , Welcome to Amex Family

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 8 of 12
Valued Contributor

Re: Approved for my first AMEX...kinda

My bet would be the 2 apps in one day but I could be wrong.  

Ch 7 Discharge 3/12/2018
Cap One QS1 $3,500, Wayfair $5,000, Blaze MC $3,000, Kohls $1,000
Infiniti Financial lease

Message 9 of 12
Established Contributor

Re: Approved for my first AMEX...kinda

They allow 1 charge and one revolver per 5 days. I got my prg/bce same day. Others have reported getting more than one of each on the same day.
Message 10 of 12
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