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** Update Approved ** AMEX prequal - 3 months history, no FICOs!

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Anonymous
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** Update Approved ** AMEX prequal - 3 months history, no FICOs!

My credit history just turned 3 months old (no FICO8 yet) and I actually got three prequalifications on the AMEX site: Amex ED (15k MR), Magnet ($150+$100) and PRG (25k MR for $2k spend).  OK, so just about the lowest public offers out there, but still, I didn't expect to be able to get "in" with Amex yet.

 

At the moment I have BoA Cash rewards ($1500 CL) and Discovery IT ($500). I don't need another credit card with toy limit, but would want the PRG at some point anyway, and definitely if I came across a 50k MR sub offer. Not sure if that is achievable yet (as I am not an existing Amex customer I gather incognito mode or otherwise does not matter).

 

I got kind of excited over this (am sure you guys understand). Should I keep gardening or push the button?

Message 1 of 16
15 REPLIES 15
Anonymous
Not applicable

Re: AMEX prequal - 3 months history, no FICOs!

Push the button then run to the garden with your three lovely cards in hand! (and report back to us)
Good Luck!

Message 2 of 16
Anonymous
Not applicable

Re: AMEX prequal - 3 months history, no FICOs!

Update: Was able to get a 50k link to work (thanks, Doctor of Credit) and was approved for the AMEX PRG!  Wohoo!

 

Anyway - a nice datapoint for others that have a short history, even no FICO score - Amex can be welcoming of folks like us.

Message 3 of 16
Anonymous
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Re: AMEX prequal - 3 months history, no FICOs!

Just to add that DW also got approved for the AMEX PRG 50k on the same basis, i.e. no FICO score, three month credit history, and only one other CC reporting (BoA cash rewards, $1500 CL). So, this was not a fluke. No idea why.
Message 4 of 16
Cred4All
Valued Contributor

Re: AMEX prequal - 3 months history, no FICOs!

Congrats on the approval!


Message 5 of 16
Anonymous
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Re: AMEX prequal - 3 months history, no FICOs!

Congratulations!!!

Message 6 of 16
Anonymous
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Re: AMEX prequal - 3 months history, no FICOs!


@Anonymous wrote:
Just to add that DW also got approved for the AMEX PRG 50k on the same basis, i.e. no FICO score, three month credit history, and only one other CC reporting (BoA cash rewards, $1500 CL). So, this was not a fluke. No idea why.

Congrats on the approval!Smiley Very Happy

Message 7 of 16
Anonymous
Not applicable

Re: AMEX prequal - 3 months history, no FICOs!

Boom!!! Congrats on the PRG and the SUB!!!

Message 8 of 16
chhull00
Frequent Contributor

Re: ** Update Approved ** AMEX prequal - 3 months history, no FICOs!

Congrats on your approvals, niceHeart315d66f06bba25326e685f843fe14554.gif

 



Message 9 of 16
Anonymous
Not applicable

Re: ** Update Approved ** AMEX prequal - 3 months history, no FICOs!

Congrats - very nice!

Message 10 of 16
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