I want to get a personal SPG card, but I'm worried about my credit score (around 665). Any advice?
Background: I applied for personal SPG card on mom's behalf approximately 6 years ago, and my entire family has been using that card as primary card since then. (We have been very good customers, and B'H' we have racked up a good amount of points). I graduated over one year ago and have been employed as an attorney since then. Over the past year, I paid off my college and law school loans. I also opened a Bank of America cash rewards card (my first credit card ever). I have a car note. My credit utilization is likely low because I have not sought to increase my available credit. I am now trying to become more savvy and would like to open up my own SPG card. I'm worried about the hard credit pull if I'm merely going to be rejected.