Received an Invitation to Apply to PRG!

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Received an Invitation to Apply to PRG!

Postby luvyablue » Thu Jun 13, 2013 3:28 pm

First time poster here, but over the last couple years I've been following this forum to rebuild my credit from a 590 (eek!) to now a 715 (EX FICO, checked today). I received an email to apply to a PRG from AMEX, which is GREAT, because it's been my rebuilding goal to get that card in my wallet. But first, I've got to ask you pros:

1) Is an 'Invitation to Apply' AMEX's version of pre-approval?
2) How much on the bubble am I with a 715 EX FICO? My last baddie was a late payment in July 2011 (30-day), and my current CU is 20% on one card ($4k limit Chase Amazon Rewards, I pay in full every month) and 0 balance on a starter BofA card. I have 1 hard pull, and that was 02/2013 for my Chase card. I've got student loans that I've never been late on, my Debt-to-Income ratio is ~9%.
3) My Invitation email had a "Apply by June 30" next to the apply email. Is this just marketing, or does the pre-approval get withdrawn after that day? My invitation offer is the standard 25,000 pts for $2k spending in 3 months, no AF for 1st year.

If I go for the PRG but get bad news, will I be offered a Gold (or Green) on the same hard pull?

Also, for anyone thinking of applying for an AMEX, this was the first time in a long time I noticed that myFICO is offering the Experian FICO again. And just in time for my (maybe) application :cool:

Thanks in advance!

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Postby MemberSince99 » Fri Jun 14, 2013 4:18 am

I guess you could call it that, their version of a pre-approval, it of course doesn't guarantee a thing, except that they'd like you to apply, but it means you met certain criteria they are looking for when they soft pulled you.

I don't think you'd be on the bubble at all with what I read. The only thing might be the late but they've loosened up quite a bit recently.

It's mostly just marketing, as is an "invitation to apply" if you think about it, but if they say "pre-approved" it has certain legal meanings as well.

If you get declined, you will NOT be offered a different product as a "consolation prize" of any sort on the same pull - you will simply be rejected and free to try again in 30 or so days. But the approval criteria for the PRG should be the same as the Gold and Green so if you can get one you should be able to get any of them.

Hope this helps you.

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Postby luvyablue » Sat Jun 15, 2013 2:38 pm

Thanks for the great answers MemberSince99. I went ahead and applied for the PRG, and was approved instantly! I actually got my card in the mail today (dang their quick), and it looks great in my wallet.

I'm excited about exploring all the benefits of AMEX and reaping all the extra pts I'll get with the PRG. Thanks again!

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Postby im_mr_awesome » Wed Jun 19, 2013 5:28 pm

I got one of these invitations for the AmEx Blue Sky card. I'm going to wait until the end of the offer before I apply to raise my scores up a bit. I'm planning on app'ing for an AmEx in January, so if I get approved for the Blue Sky, I could have backdating to January 2013 on the new card next year. Aging my accounts is my plan, so it'd be good to get in with AMEX as soon as possible, I think. Fingers crossed on my scores improving enough to get something by the time the offer expires!
Scores on the mend...
FICO: 650 (Discover/TU, 6/23/2016)
Cards I Use Citi Double Cash, Chase Amazon, Capital One QuickSilver
Sock Drawer Discover IT, Citi Diamond Preferred, AE Visa, QuickSilver One, Walmart CC, CareCredit, CreditOne (keeping for history for now)
Short Goal Reach 680

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Postby flan » Wed Jun 19, 2013 8:11 pm

im_mr_awesome wrote:I got one of these invitations for the AmEx Blue Sky card.

I got a series of offers for the Blue Sky, for increasing number of points. You know, offer, ignore, a month or so later, get a better one. I ignored it, but when I got a repeat of first low offer, I waited until they sent me the high one to apply; I got the card and a better offer in the same days ail. Amex matched the points, but not the 0% interest term, when I called and expressed displeasure at their marketing mishap. (I didn't actually ask for that, though, so I don't know if they would.)

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