- Centurion Member
- Posts: 630
- Joined: Thu May 10, 2012 10:10 pm
- Location: North Los Angeles County
BK- I don't know if you are referring to me or OP? I have the PRG, but I have never apped for the Delta Gold, I have for the BCE, however, and unfortunately no such luck in getting approved.
99-these were the reasons that were listed: Length of time accounts have been established, Length of revolving account history, Too many inquires in the last 12 months, Lack or recent information on installment accounts, and lastly, The length of time you have been a customer with American Express is to short. They said on April 17, 2013 (I assume they are softing me) they said my score was 721. But when I got my freedom, my score came to 736 (at least according to the letter Chase sent me with my Freedom card), but Amex didn't believe me, and they just did not approve me, and asked me to contact EX, and then Fax them a copy...no..I'd rather wait a little while and then app for it again. Oh Well, can't win them all. Thank you for the compliment, I have done my best to keep my credit as clean and spotless as possible over the last year or so. And yeah, I hope to get it hopefully soon. That really is the only card I want from at this point. In a couple of years, if my income rises, I want to try for the SPG.
The BOFA does in fact give the same rewards, BUT, I don't want to waste a HP to get a CLI on a 700$ card. I'd rather hope to get a new card+ Higher initial CL (especially since Chase gave me a good CL for my income.) To be quite honest, I don't think I would spend enough to justify the BCP. At this point I really prefer to have no annual fee cards, the main reason why I want the BCE is because it will be my backup gas card since, I will continue using my BOFA card for most of the month and then the BCE towards the end of the month. I don't grocery shop that much, and that is really where the BCP shines. I might close my PRG as well since I don't travel all to much and I'd rather not pay the annual fee, I only got it since the first year was free and I wanted to build a history with them first (and then eventually try for the BCE and get it.)
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.