PRG Approval Blue Cash Denial?

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lexington
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PRG Approval Blue Cash Denial?

Postby lexington » Tue Sep 09, 2014 4:22 am

Looks like I got too trigger happy on applying for two cards on the same night. I wanted to have a nice reward program and cash back without having to apply for another CC ( I have 11 already). Anyways, What does everyone think about the reward program from the AMX PRG??

CLI for all cards|
Citi Preferred- 9K
Citi Thankyou-8.5K
Navy Fed Rewards- 14K
USAA Rate advantage- 12K
Amex Blue Sky- 6K
Discover IT-8K
Pen Fed Promise- 12K
Pen Fed reward- 12K
Chase Slate- 4K
Freedom- 5K
B of A Cash Rewards- 4K
[size=80]Chase Slate CL-$4,000.00 |Chase Freedom CL-$5,000.00 | Discover IT CL$8,000 |Citi Diamond CL $8,000 | Citi Thank you CL $9,000 | AMEX Blue Sky CL- $6,500.00 | AMEX Premier Gold- No CL | B Of A Cash CL- $8,000.00 |
PenFed Promise CL- $12,000.00 |BMW Card CL $1,000 | |PenFed Rewards CL-$11.000.00 | Pen Fed Cash CL-$1,000.00 | Nav Fed Platinum CL $14,000.00 | Navy Federal Cash Rewards CL -$1,000.00| USAA Rate Advantage CL-$14,000.00 | B of A Travel CL-$4,000.00| B of A Cash CL-$8,000 | B of A Travel CL-$4,000|


[size=80]-Scores Experian-- 728 Trans 740 Eqiufax-750
-Credit Established-- Jan 2010[/size]


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CarefulBuilder14
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Postby CarefulBuilder14 » Tue Sep 09, 2014 10:03 am

If you get good value from MR points, the 3x MR points on airfare (if booked directly with airlines) is good. Keep in mind how narrowly this bonus category is defined, though. There is no bonus for travel websites (Priceline, Travelocity, etc). No bonus for hotels. No bonus for taxis, subway fares, etc. Just airfare booked directly with airlines. So you can't really call it a travel card.

Your spending may differ from mine, and the Sallie Mae caps might be ridiculously low for you. You'd have to be pretty brilliant (or lucky) to consistently get enough value from 2 MR points to beat 5% cash back, though.

I don't plan to keep mine beyond the first year because the rewards are just mediocre apart from the airfare, and you'd have to spend a huge amount on airfare to justify the AF premium over the Gold. The Gold has some AAA-type benefits, but an actual AAA membership will usually cost less. The global assistance might be useful. I haven't needed it before.

If someone wants only 2 or 3 credit cards, and cares less about rewards, I guess it could be useful.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

takeshi
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Postby takeshi » Tue Sep 09, 2014 11:30 am

lexington wrote:Anyways, What does everyone think about the reward program from the AMX PRG??

It really doesn't matter what everyone thinks about any rewards program. You need to determine how a given program suits you. I have no use for MR points but that doesn't necessarily mean that you don't.

Do you have specific questions about Membership Rewards? Have you looked to determine that the PRG earns points at a higher rate on spend categories that suit you? Have you looked at MR redemption to determine how to get the most value out of points? Have you looked at MR's transfer partners to see if they are of use to you? Would you put enough spend through to make MR redemptions possible in a reasonable timeframe for you?

What do you find lacking with the reward programs on the cards that you already have?

lexington wrote:PRG Approval Blue Cash Denial?

Wait, so you were approved and now you're asking? If that's he case do your research before applying -- not after.

lexington
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Postby lexington » Tue Sep 09, 2014 1:04 pm

Whoa slow down takeshi. It was late, my apologies. Yes, I was approved for the PRG and denied for the Blue Cash. And yes, I did read up on some of the benefits etc. but I came here to ask an honest question about how everyone feels about this program. Yes I will use it and get my money out of it ( I hope so). However, being that this is my first AMEX card I wanted to hear from the more tenured folks on AMEX and their rewards. Has it gotten better/worse? If worse, do you think AMEX will listen to the complaints and accomadate?

Again, my apologies.
[size=80]Chase Slate CL-$4,000.00 |Chase Freedom CL-$5,000.00 | Discover IT CL$8,000 |Citi Diamond CL $8,000 | Citi Thank you CL $9,000 | AMEX Blue Sky CL- $6,500.00 | AMEX Premier Gold- No CL | B Of A Cash CL- $8,000.00 |

PenFed Promise CL- $12,000.00 |BMW Card CL $1,000 | |PenFed Rewards CL-$11.000.00 | Pen Fed Cash CL-$1,000.00 | Nav Fed Platinum CL $14,000.00 | Navy Federal Cash Rewards CL -$1,000.00| USAA Rate Advantage CL-$14,000.00 | B of A Travel CL-$4,000.00| B of A Cash CL-$8,000 | B of A Travel CL-$4,000|





[size=80]-Scores Experian-- 728 Trans 740 Eqiufax-750

-Credit Established-- Jan 2010[/size]

lexington
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Postby lexington » Tue Sep 09, 2014 1:07 pm

Thank you for the info. I didn't know you had the book through the airline itself.
[size=80]Chase Slate CL-$4,000.00 |Chase Freedom CL-$5,000.00 | Discover IT CL$8,000 |Citi Diamond CL $8,000 | Citi Thank you CL $9,000 | AMEX Blue Sky CL- $6,500.00 | AMEX Premier Gold- No CL | B Of A Cash CL- $8,000.00 |

PenFed Promise CL- $12,000.00 |BMW Card CL $1,000 | |PenFed Rewards CL-$11.000.00 | Pen Fed Cash CL-$1,000.00 | Nav Fed Platinum CL $14,000.00 | Navy Federal Cash Rewards CL -$1,000.00| USAA Rate Advantage CL-$14,000.00 | B of A Travel CL-$4,000.00| B of A Cash CL-$8,000 | B of A Travel CL-$4,000|





[size=80]-Scores Experian-- 728 Trans 740 Eqiufax-750

-Credit Established-- Jan 2010[/size]

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CarefulBuilder14
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Postby CarefulBuilder14 » Tue Sep 09, 2014 1:47 pm

lexington,

takeshi is right, and more research would have been good. I researched the credit unions you already have cards with, I can see that those credit unions offer other cred cards far more useful to you than the PRG, given the other cards you already have.

It is definitely best to have some plan about which cards you want and how you will use them. You have a dozen cards from eight different issuers. Most of them require pretty good credit, so I don't think you got them just because your options were limited.

What I do see is a lot of overlap in spending categories among your cards. I would have a headache trying to put all of them to use.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

lexington
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Postby lexington » Tue Sep 09, 2014 4:19 pm

Thanks Careful, I did my resarch ( my earlier post has yet to be uploaded) and, yes, I do have a collection don't I! (Shoot me) lol...they serve their purpose when needed and I stay on top of all of them ( that have balances/rewards). However, after receiving an offer from amex last year to spend 500 in a quarter for 400 of travel, I have had nothing but good experiences with AMEX ( an USAA of course). I also use AMEX for my company corp card. The Union cards are great for balance transfers, their rewards system can be polished a little however.

But, hey, thanks for the input guys!
[size=80]Chase Slate CL-$4,000.00 |Chase Freedom CL-$5,000.00 | Discover IT CL$8,000 |Citi Diamond CL $8,000 | Citi Thank you CL $9,000 | AMEX Blue Sky CL- $6,500.00 | AMEX Premier Gold- No CL | B Of A Cash CL- $8,000.00 |

PenFed Promise CL- $12,000.00 |BMW Card CL $1,000 | |PenFed Rewards CL-$11.000.00 | Pen Fed Cash CL-$1,000.00 | Nav Fed Platinum CL $14,000.00 | Navy Federal Cash Rewards CL -$1,000.00| USAA Rate Advantage CL-$14,000.00 | B of A Travel CL-$4,000.00| B of A Cash CL-$8,000 | B of A Travel CL-$4,000|





[size=80]-Scores Experian-- 728 Trans 740 Eqiufax-750

-Credit Established-- Jan 2010[/size]

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CarefulBuilder14
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Postby CarefulBuilder14 » Tue Sep 09, 2014 6:22 pm

So the Blue Sky with the 6k is a corporate card - not a personal card or business card with a personal guarantee? I'm confused.

I had assumed the Blue Sky was a personal card for you. If the PRG was your first personal Amex, then it is natural that they would decline you for the second card. To them, it looks like you're applying indiscriminately when you are trying to get a second card without having even activated, used, and paid off the first one yet.

As far as the value of MR points, a lot depends on which airlines you use and which flights you take. Those programs vary widely, and the details can change fairly often.

Most cards and reward systems do change over time - for most issuers, not just Amex. Usually, the benefits get worse.

I like cash because it's easy for me to know which card to use in each transaction.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

lexington
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Postby lexington » Tue Sep 09, 2014 7:43 pm

The Blue Sky was my first personal AMEX. I also have an AMEX corporate card for over 4 years that I use and have had to contact them on billing issues and although the corp card doesn't benefit me ay all, their service has been superb.

You're correct on the airlines, I rarely use those so that's a bummer. I'm heading to San Jose next month and have found some good deals on attractions so let's see how it shakes out. One thing I can say is that the Platinum AMEX holders get some nice perks as well.
[size=80]Chase Slate CL-$4,000.00 |Chase Freedom CL-$5,000.00 | Discover IT CL$8,000 |Citi Diamond CL $8,000 | Citi Thank you CL $9,000 | AMEX Blue Sky CL- $6,500.00 | AMEX Premier Gold- No CL | B Of A Cash CL- $8,000.00 |

PenFed Promise CL- $12,000.00 |BMW Card CL $1,000 | |PenFed Rewards CL-$11.000.00 | Pen Fed Cash CL-$1,000.00 | Nav Fed Platinum CL $14,000.00 | Navy Federal Cash Rewards CL -$1,000.00| USAA Rate Advantage CL-$14,000.00 | B of A Travel CL-$4,000.00| B of A Cash CL-$8,000 | B of A Travel CL-$4,000|





[size=80]-Scores Experian-- 728 Trans 740 Eqiufax-750

-Credit Established-- Jan 2010[/size]

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CarefulBuilder14
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Postby CarefulBuilder14 » Tue Sep 09, 2014 8:01 pm

Are you active duty military? Or you got/maintain the credit union cards through some other status?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when



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