Advice on getting approved for PRG?

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Advice on getting approved for PRG?

Postby titansben15 » Wed Sep 05, 2012 1:28 am

I'm new here, a college student with little credit experience looking for some advice. I'm in my last semester of college, will start working full-time first of the year, and am hoping to get approved for a PRG shortly thereafter. I have a student credit card through my bank with a $500 limit. I've only had it for 5 months, but have kept utilization very low and paid the balance on time and in full each month. CreditKarma says my score is around 720, as does Credit Sesame.

I won't have any debt when I get out and will be making a decent income. Will i have a good shot at approval? Is there anything I can do between now and then to help my chances? I was thinking about applying for a 2nd credit card that is Visa or MC (for when AmEx isn't accepted), but will the hit from an inquiry and decreased AOA hurt my score too much? Thanks for your time.

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Postby Money card » Wed Sep 05, 2012 11:05 pm

it brings your score down a little bit how much you ask I don't know the exact numbers.

If I were you since you have a student card and your still in college I would contiue to use your student card.
after you gradute from college, you get a better paying job if you still want the gold premier card then we will be able to help you out.
But for right now I would contiue to use your student credit card.

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Joined: Wed Sep 05, 2012 1:20 am
Location: Tennessee

Postby titansben15 » Thu Sep 06, 2012 12:00 am

So you think getting a 2nd card now won't improve my chances much of getting a Gold later on?

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Postby Rory » Thu Sep 06, 2012 3:11 am

i doubt you could justify the annual fee for the PRG being a college student, but you could surprise me. Its a nice card to have but just because of its prestige and rewards dont think it makes it a good deal. Look at your spending habits and predict future expenditures to devise a plan that either justifies this card or makes better use out of another one.

Keep in mind credit karma and all sites like it report FAKO scores, as in they are estimates using a system that isnt the one used by lenders so the numbers can be off significantly. For me, my scores are about 50 points higher that Credit karma's numbers, but for you it could be opposite. To get the most reliable credit scores you either have to take advantage of the once a year free service offered by the top credit bureaus at or pay for them at
Amex Zync - NPSL (Cleared up to 25k)
Amex BCE - 12000 limit
Amex BCP - 4200 limit
FIA Rewards Amex- 3500 limit
Chase Freedom - 2000 limit
Chase Slate - 2000 Limit
BoA Cash Rewards Privileges- 3000 limit
Barclaycard Rewards MC - 3000 limit
Discover IT- 3500 limit
Marriott PR- 5000 limit
21 years old with alot of life to spend ;)
Its not about the ending, its about the journey,
just as long as the ending is just as good :cool:

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