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Got approved for the Amex PRG

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bluesnowman
Frequent Contributor

Got approved for the Amex PRG

Hey guys,

 

I made the decision to apply for the PRG on the 24th, and as I submitted it, and came back from dinner, I found out I was instantly approved! I just got the card expidited to me (I didnt ask, they did it for me). It came in a Plain white envelope, but inside of a UPS package. So very happy to be in with Amex. They did pull Experian when I called in to activate but she did not tell me my score. I also applied for the Chase Freedom, and they pulled Experian in my area. I ended up getting declined, and I tried to recon yesterday, but the lady was very nice and told me patiently that they only saw my BOFA account, and they would like to see some history with other cards before they issue me a card. I told them I understood, and she said that my credit scores were very good and my credit report was very clean. I am gardening until May (my birthday is when I will try again, and hopefully my history will still be as good.) But I am very happy with my new accounts (minus citi's website, it drives me nuts.) and glad to get in with some excellent creditors. Chase is the last one I am aiming for before I stop applying for cards for at least a year. But I am very happy with the progress I have made it in the last few months and hope to build on it.

 

-Snowman

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 1 of 8
7 REPLIES 7
Anonymous
Not applicable

Re: Got approved for the Amex PRG

Congrats! How much are you planning on pumping through the card? Do you think it will be worth the $175 AF?

Message 2 of 8
sakhalin070
Frequent Contributor

Re: Got approved for the Amex PRG

Congrats Snowman!  I thought you just applied for the Gold, but congrats on the PRG!

AMEX BCE, Discover IT, Citi Forward, BoA Travel Rewards, Barclaycard Cash Forward
Message 3 of 8
bluesnowman
Frequent Contributor

Re: Got approved for the Amex PRG

M- I am a student, and I have 12,000 income (Side business+waiting tables, I know it isn't much and I wonder how AMEX granted me a card, but I'm happy nonetheless). I am planning to push 600-700 dollars a month, and If I need to charge anything higher then that I'll call Amex to let them know I need to charge more for whatever reason and just pay it off ASAP (main reason for a charge card, keeps my monthly spending in check, I checked my spending ability and tested 600 so far and was approved, but I'm not touching it anymore...lol). I plan to use the card for larger purchases like when I go shopping, going to some higher end restaurants, those sort of places. I think it is well worth it if I use the benefits accordingly ( which I plan to do), but I wish the AF was a little bit lower. And thank you!

 

Sak- Thank you! I applied for the Gold, but I changed my mind and I asked them If I can get the PRG instead, and they okayed it, but she did ask me if I was okay with annual fee, and I said yes. I'll see how the card is before I decide to pay the AF. No more cards for 6 months for me. 

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 4 of 8
Cadillac-XTS
Established Contributor

Re: Got approved for the Amex PRG

Congrats

Message 5 of 8
Repo-ed
Senior Contributor

Re: Got approved for the Amex PRG

Wait, what is the difference between the PRG and Gold?

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 6 of 8
GoldenloveNY
Frequent Contributor

Re: Got approved for the Amex PRG


@Repo-ed wrote:

Wait, what is the difference between the PRG and Gold?


The PRG allows one to earn tripe points for travel, and double points for grocery shopping in supermarkets. You can't do that with the regular gold, or even the green. If you spent heavily on those categories, then maybe the PRG will be worth the AF of $175.

Citi Double Cash: $1,000
Capital One Secured: $500
Capital One Savor One: $1,650
Amex Gold- NPSL.
Amex Platinum- NPSL.
Amex Delta Gold: $1,000
Best Buy Store Credit Card: $2,000
Amazon Store Credit Card: $6,000
Verizon Visa Card: $2,000

Bj's Perks Elite Mastercard: $2,300

Merrick Credit Card: $1,400
First Savings Credit Card: $1,250
Message 7 of 8
ibmrad7
Established Contributor

Re: Got approved for the Amex PRG

You can also order 5 additional cards for no additional cost.

Message 8 of 8
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