Originally Posted by
onefasteuro
I do think plat and PRG have the same approval levels, just different fees and benefits... 640 is pretty low FICO for AMEX, but it may go through if you have no recent baddies and a decent income level.
Cool! I have no recent baddies, and a good income, and quite a good monthly spend, and no debt (I pay everything in full always and I can time the payment to be when the card reports).
I know that there's also the idea that you should have zero balance on all your cards except one, and I'll go for that when everything reports this month.
Originally Posted by
onefasteuro
I got my PRG and Plat card with a FICO of 670 at the time that I got them.
Ok, that gives me hope. My 640 score is a "faco", not from a real credit report, so who knows. Maybe I'll try for the Gold card, and if I get it, ask about upgrading to Platinum? The Platinum will have huge benefits for me.