Credit Cards Center Credit cards from our partners
Reply
Community Leader
Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013
0

Re: FIRST EVER AMEX - Delta Gold - Have questions


StudentSam wrote:

Thanks guys! Had to call the Amex executive office and deal with them a bit before they pushed me through. Last on my list is the Amex Business GOLD card.. Should I apply now or get some use on the plum then apply?


If you had to go the EO route it woukld be best to use the new card for 6-12 months before going for another 

They will want to see your history IMHO

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
New Contributor
Posts: 72
Registered: ‎07-12-2012
0

Re: FIRST EVER AMEX - Delta Gold - Have questions

Spent 140K on the Amex Plum since October 10th (when I got the card). Just applied for the BusinessGold and got accepted!.. now I have Delta Skymiles personal, Biz Plum, and Biz gold. Last on my list is the Platinum to one day get concierge benefits etc... I also like the SPG because I stay at a lot of Starwood properties when I do travel.

 

I came a long way from 507 Credit score last year, now I have a 694 and 3 Amex!! Smiley Happy

 

 


Starting Score: 506
Current Score: 720
Goal Score: 800


Take the myFICO Fitness Challenge
Established Contributor
Posts: 550
Registered: ‎02-27-2012
0

Re: FIRST EVER AMEX - Delta Gold - Have questions

Wow congrats... I have the biz gold as well. I have spent like 240k so far in 8 months I applied for the plum back in nov and got declined. I'm hoping to reapply in April..
Highlighted
Community Leader
Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013
0

Re: FIRST EVER AMEX - Delta Gold - Have questions


StudentSam wrote:

Spent 140K on the Amex Plum since October 10th (when I got the card). Just applied for the BusinessGold and got accepted!.. now I have Delta Skymiles personal, Biz Plum, and Biz gold. Last on my list is the Platinum to one day get concierge benefits etc... I also like the SPG because I stay at a lot of Starwood properties when I do travel.

 

I came a long way from 507 Credit score last year, now I have a 694 and 3 Amex!! Smiley Happy

 

 


Congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Contributor
Posts: 89
Registered: ‎01-07-2014
0

Re: FIRST EVER AMEX - Delta Gold - Have questions

Congrats on the success.

 

 

Epic Contributor
Posts: 29,100
Registered: ‎10-23-2007
0

Re: FIRST EVER AMEX - Delta Gold - Have questions


StudentSam wrote:

Spent 140K on the Amex Plum since October 10th (when I got the card). Just applied for the BusinessGold and got accepted!.. now I have Delta Skymiles personal, Biz Plum, and Biz gold. Last on my list is the Platinum to one day get concierge benefits etc... I also like the SPG because I stay at a lot of Starwood properties when I do travel.

 

I came a long way from 507 Credit score last year, now I have a 694 and 3 Amex!! Smiley Happy

 

 


just curious why have Plum and Biz gold? why not just get the platinum if that's what you want.

Contributor
Posts: 89
Registered: ‎01-07-2014
0

Re: FIRST EVER AMEX - Delta Gold - Have questions

If you can support the fee for platinum, which if you travel is easy to do, between the lounge access, global entry reimbursement as well as annual airfare credit, just call amex and see if they will upgrade you from the biz gold to platinum. ....

 

there are also offers in the mail for up to $100k membership reward points with $10k spend, so keep an eye out on that.

New Contributor
Posts: 72
Registered: ‎07-12-2012
0

Re: FIRST EVER AMEX - Delta Gold - Have questions

[ Edited ]

Ive been offered to run with the Platinum but Platinum addtional cards cost a lot. Amex gold additional cards are cheap and or FREE. I use multiple cards for all of my Clients i'm running Advertising for. 

 

I Have Amex Business Gold, Amex Business Plum, and Amex Business SPG- Gold I use for Ads to get points ( I now have over 1 million amex points on gold), Plum I run ads for my euro clients and capitalize on the 1.5% cash back (this comes out to more savings then the points for amex ), And SPG I use for dining/hotels/etc.

 

My goal is centurion, maybe one day. I'm only 26 now, and my company has spent over 1.2 million YTD on gold and about 280K on Plum YTD so far.

 

I know they have to invite me so i'll be patient. Maybe one day !

 

 

My scores also a 715 now (Transunion) and 706 (E). 

 

I really shot myself in the foot whne i defaulted on student loans in 09/10-- But i've paid off most of my student loans and only keep 1 (6k balance) to have a revolving account open.

 

My net worth is mid 7 figures so I know i'm far off from the required net worth for centurion.

 

I've come a LONG way from a 502 credit score and zero direction, You guys (This forum) not only got me back on my feet, you gave me the motivation to keep going and biuilding my credit 

 

 

Thank you so much! 


Starting Score: 506
Current Score: 720
Goal Score: 800


Take the myFICO Fitness Challenge
Established Contributor
Posts: 673
Registered: ‎11-08-2012
0

Re: FIRST EVER AMEX - Delta Gold - Have questions


scenery_guy wrote:

Once you get the business AmEx wait a 90 days and apply for a Chase Ink. You need a couple of the big guys on your side and those are AmEx and Chase. I love them equally and could not do it without both of them. All other business credit cards are cannon fodder for points in my opinion. 

 

Others will chime in, in the mean while congratulations and stay focused, your business AmEx is about 90 days away!


Just a question about your comment on waiting for the business Amex for 90 days and then apply for the Chase Ink...

 

If your business Amex doesn't go on your personal credit, how will Chase Ink know that you have a business card? It won't be showing any history, limits, payments and so on for your personal credit, so how does this work?

TU: 819 EQ: 816 EX 809


*$7500***$25,000****$13500****$36,200****$10,000***$9100****$6000***$11,000****OPEN***OPEN***$17,000***11,000



Valued Contributor
Posts: 2,528
Registered: ‎11-11-2010
0

Re: FIRST EVER AMEX - Delta Gold - Have questions


audia4 wrote:

Just a question about your comment on waiting for the business Amex for 90 days and then apply for the Chase Ink...

 

If your business Amex doesn't go on your personal credit, how will Chase Ink know that you have a business card? It won't be showing any history, limits, payments and so on for your personal credit, so how does this work?


Business credit card reports to business credit report. Two business CRAs you should be aware of, D&B and Experian. When you apply business credit card both personal and business credit reports will be pulled.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.