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 Is this just marketing, or does the pre-approval get withdrawn after that day?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
Thanks in advance!