AMEX Gold Delta Sky Miles approved!

[Anonymous]

I honestly thought it would be impossible to obtain an AMEX card with my credit scores and my bad history with them. 10 years ago I got approved for one of their cards and I ended up not being able to pay the money back-it was $2000-which they hounded me for years until it finally stopped. I never paid them. Flash forward, I really needed to get some kind of rewards card because I have been traveling a lot lately and it would be nice to get some perks. After reading other peoples experiences, I decided to apply and I just got approved for the Gold Delta Sky Miles card CL2000 FICO scores currently EQ 637,TU 655, EX 663 Inquires EQ 5 TU 4 EX 3 and a 30% utilization. I'm just so happy I got approved and I wanted to put it out there to let people know it is possible and without people sharing their stories about their experiences I would have not even tried to apply.

UPDATE: I just got the notification that AMEX did a hard inq from my Experian credit report. Also when I went online to set up my account, It says member since 2003 and when I talked to the lady about my card on the phone she said thank you for being a card member for 12 years. It was odd to hear that considering what happened but they definitely keep their records!

[Anonymous]

Congrats on your Amex approval

[Eyisila]

Grats!!

Been an ACM on my mother-in-laws BCP for about a year.

Have worked scores up to around your level, hope to get in with them solely soon!

Was it a cold app or prequal on the site or whatever?

[I-think-I-can]

Congratulations! I hope to try for one next Spring

[Anonymous]

Congrats!

[App_Addict]

Congratulations on your success!

[NRB525]

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@Anonymous wrote:

I honestly thought it would be impossible to obtain an AMEX card with my credit scores and my bad history with them. 10 years ago I got approved for one of their cards and I ended up not being able to pay the money back-it was $2000-which they hounded me for years until it finally stopped. I never paid them. Flash forward, I really needed to get some kind of rewards card because I have been traveling a lot lately and it would be nice to get some perks. After reading other peoples experiences, I decided to apply and I just got approved for the Gold Delta Sky Miles card CL2000 FICO scores currently EQ 637,TU 655, EX 663 Inquires EQ 5 TU 4 EX 3 and a 30% utilization. I'm just so happy I got approved and I wanted to put it out there to let people know it is possible and without people sharing their stories about their experiences I would have not even tried to apply.

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Congratulations!

With the combination of scores, utilization, a direct C/O with AMEX and inquiries, I'm surprised you got started with $2k. Two months ago I would expect $1k.

Combine this with some other recent "marginal files" getting in with AMEX and there does seem to be some loosening of the underwriting criteria from them.

Were you already a Delta SkyMiles member, and if so, did you app through the Delta site, or direct with AMEX?

[Anonymous]

I did sign up for their sky miles online but never used it. I probably had it open for like 1 year so it was zero miles all that time. I never ever got a mail in offer. So I was scared to get denied and have that hard inquiry. I applied online on Amex website. I took the card quiz and that was the first one they recommended.

[pizza1]

wow!!! You got back in after NOT paying them back at all? Im shocked...but regardless...huge congrats to you on getting the card, and a decent limit!!! Use it well, PIF!! show them you can do it again..good job!

[uswala]

Congrats on the approval!