"You've Been Selected to Apply!" (AmEx Green card)

[CodyAB31]

Got the invited to apply thing in the mail a couple months back.  Went online and applied with the invitation code and was instantly approved for the Green card.  Pulled EX only and my score was 674...65K income.  I have 4 Collection Accounts reporting all from 5+ years ago. Everything else was good, a couple auto loans never late, both closed, and a handful of low limit rebuilder cards/store cards plus 1 card from my CU 3500 limit.  VERY surprised In the instant approval.

[LearningMoreAboutCredit]

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@B335is wrote:

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@LearningMoreAboutCredit wrote:

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@B335is wrote:

I was approved for PRG with 656 - EX only pull.  I would personally go for the PRG due to the superior sign up bonus and downgrade once you hit a year to avoid AF.  Amex charge cards have same underwriting criteria.

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Do you mind sharing your income when approved for PRG? I'm considering applying at the beginning of the new year for maximum backdating and downgrade before AF hits.

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At the time $68k.  I had no pre-qualified offers and I remember it sat "in-progeress" for a few days.  Do you already have a card from Amex?

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Yes, I have BCE and SPG...MSD '87