- Gold Member
- Posts: 43
- Joined: Fri Apr 08, 2016 9:04 pm
Hello all - I know there have been discussions about people getting approved for charges cards even with low credit scores. I wanted to share my experience (actually my wife's) just as another data point.
I read from bloggers that the PRG was offering 65k sign up points so I told my wife this would be a great opportunity to apply since 65k bonus is hard to come by. I was unsuccessful to get the incognito trick to work so we settled for the 50k bonus points which is still a solid offer. I think the offer is still going on if you want to apply for the card.
My wife's score dropped 100 points after forgetting to pay for her student loans (which multiplied since there are 4 or 5 underlying loans with each loan) for 2 months but I couldn't blame her she was 7 months pregnant so she was forgetting everything at the time. After applying she received an instant approval with Experian score of 626. However she does have high income so I believe that helped a lot. Also, I added her as an authorized user on several of my Amex cards so perhaps that help as well.
After being approved for the charge card I told her to immediately apply for the EveryDay Preferred to take advantage of the one credit pull on the same day trick. Unfortunately, she was instantly denied which was not too surprising. I told her to call Amex and request a manual recon because I have been approved in approx. 30 minutes from requesting a manual recon. Although my wife's status is still in progress now so if they approved her she will receive another hard pull but it would worth it for the everyday card.
Amex: Platinum Mercedes (5/16), PRG (4/16), Gold (4/16, will close), Mercedes Revolver (4/16), ED (4/16), SPG (5/16), Business Gold (5/16), Business Green (6/16), Business Platinum Delta (6/16), Corporate Green (6/16)
BofA: Cash Rewards (6/07)
Citi: Prestige (5/16), TY Premier (5/16)