Reply To: BAPP eligibility while stoozing another card

[Alex G]

Laat time I applied for the Amex PRGC I was turned down. First time ever, and I’ve been a customer for more than 10 years.

I had a balance of more than £5k with NatWest (£6500 CL) and £1500 with Sainsburys (£8000 CL). Both interest free and minimum payments. I think the high debt to credit limit ration at NatWest and only paying minimum payments on two cards would have been the deciding factors. I won’t be paying off the NatWest card until November, and will try again next year.

All my other cards are paid in full every month.

I’ve often held three Amex cards simultaneously. Currently have just two.

Its also possible that Amex will no longer tolerate me getting the PRGC and cancelling it after a year. I’ve done this 3 or 4 times.