[Update: Approved] Possible qualify the AMEX SPG Card?

[Anonymous]

Hey guys,

I'm just wondering if I would be qualified for the AMEX SPG Card, regular, not Luxury.

On Amex Websit I see I'm pre-qualified for the PRG card. 

My current Transunion score is 708, which is based on a $900 balance that was there last month. Now the actual balance is arround $150, total limit $9900. I'm guessing once the score updates with new balance, it would go up a bit. 

With all that being said, is there a strong chance of being approved for the SPG card? 

Thanks

[NRB525]

Do you have just one card? How much credit history, age of accounts do you have?

With one prequel, it is possible any of the AMEX cards are available, as long as you do not have lates or AMEX charge offs in your past.

[Anonymous]

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@Anonymous wrote:

Hey guys,

I'm just wondering if I would be qualified for the AMEX SPG Card, regular, not Luxury.

On Amex Websit I see I'm pre-qualified for the PRG card. 

My current Transunion score is 708, which is based on a $900 balance that was there last month. Now the actual balance is arround $150, total limit $9900. I'm guessing once the score updates with new balance, it would go up a bit. 

With all that being said, is there a strong chance of being approved for the SPG card? 

Thanks

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As always, YYMV.    I was approved for an SPG (regular) almost a year ago when my score was 635.  I would say if you have a charge card pre-approval, you should be good on the credit cards.  The myth around here is that charge is easier to get, when all the DP's (including myself) show otherwise. 

[Anonymous]

I actually got the card lol. I was unsure and I applied anyway.

Only 9 months of history.

[Anonymous]

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@Anonymous wrote:
I actually got the card lol. I was unsure and I applied anyway.

Only 9 months of history.

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Congrats..   That is awesome.   

[Anonymous]

I was bored and just browsing credit cards, I heard Amex is pretty generous at giving out high credit limits, so I thought why not try one? So I did, with SPG. And I got instantly approved for $6k. My first Amex card, and I only had 9 months of credit history.

So I just got the email that says it’s shiped. I called Amex before they say it takes. 2-3 business days via UPS. How long did it take for you guys to get your Amex card? Not the super high $450+ cards, mid level $95 cards.

Thanks!

[19eighty5]

Congratulations on your approval! My AMEX card took ~5 days to be delivered.

[Anonymous]

I’ve had AMEX cards take 17 days to arrive from approval date. That was an outlier.

The key is the email confirming it has been shipped. I trust the email over the word of the CSRs. You’ll get it any day now.

[mkhan1093]

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@19eighty5 wrote:

Congratulations on your approval! My AMEX card took ~5 days to be delivered.

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Yeah this has been my experience too with pretty much every Amex card. I've heard that one trick you can do is that at the time of approval add yourself as an AU and request expedited shipping. That way your AU card will arrive before your real one!

[AverageJoesCredit]

How the heck do you add yourself as an AU on your own card? Makes no sense, imo of course.