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Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012
0

First Amex Revolver!!!!

It's been white knuckles the past 48 hours. I applied for the Amex SPG and the Delta Skymiles Card on Thursday. I got the dreaded 7-10 day message on both. I assumed a decline as I have been going for the BCP for the last 3 months and kept getting declined. Yesterday I did get declined on the Delta but today when I logged in I was approved for the SPG. So thankful to be back in with Amex and finally have a revolver with them.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: First Amex Revolver!!!!

Congrats on the SPG approval! Call in and ask for a recon on the Delta card!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Moderator
09Lexie
Posts: 26,592
Registered: ‎09-13-2012
0

Re: First Amex Revolver!!!!

Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012
0

Re: First Amex Revolver!!!!

I think I'll hold off on the recon. Just called in to get my CL and it's only 1K. I was definitely a border line approval as I have applied for several cards over the las 6 months. I'll take it though as I didn't want to app for anything in 2013. I'll definitely go for the 3x CLI in 61 days.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Valued Contributor
trumpet-205
Posts: 2,505
Registered: ‎11-11-2010
0

Re: First Amex Revolver!!!!

[ Edited ]

Strange. It should be other way around (you got approved with Delta and got denied for SPG). Delta and Hilton are easier to get than other AMEX revolvers.

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)
Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012
0

Re: First Amex Revolver!!!!

Trumpet, that's exactly why I applied for the SPG and Delta. I heard they were the 2 easiest and I kept getting shot down for the BCP. I applied for the SPG first and then the Delta.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Valued Contributor
trumpet-205
Posts: 2,505
Registered: ‎11-11-2010
0

Re: First Amex Revolver!!!!


rtw wrote:
Trumpet, that's exactly why I applied for the SPG and Delta. I heard they were the 2 easiest and I kept getting shot down for the BCP. I applied for the SPG first and then the Delta.

 

That's how I got my BCE. I apped Hilton AMEX and PCed into BCE as soon as I got the card. Back then I had Zync (now closed) and I couldn't get BCE when I had 1 year of positive history with AMEX.

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)
Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012
0

Re: First Amex Revolver!!!!

I just got approved for the Zunc and the Gold back in July so I am happy to get a revolver in less than 6 months. I'll push everything through the SPG now and pay in full. Hopefully that will get me the 3X CLI.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: First Amex Revolver!!!!

well Delta Skymiles can be PC'd into BCP/BCE so that works, easier to get in with Skymiles and get more bonus this way, since 30,000 miles= $300 instead of the $150 bonus for BCP. 

 

but gotta warn you Delta Skymiles is definately the worst card in the Amex line up, can't redeem miles for anything anytime. Was trying to set an appointment for the advertised miles required for travel, and couldn't find anything even with 331 days booking in advance. You end up spending 2-3 points extra per every travel just to secure something. So yea get a Delta Skymiles collect the rewards and switch.

 

and yea I'm scratching my head how you got approved for SPG and not Delta.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Regular Contributor
CreditEd
Posts: 140
Registered: ‎07-01-2012
0

Re: First Amex Revolver!!!!

Nothing 'easy' about SPG. Not only is the flagship AMEX revolver, you can do just about anything with the points. And they yield the BEST conversion rate of any other points based card. Take the SPG and be proud. I would recon b/c if you don't get it nothing else worse will occur. Won't be another pull. If you can't recon you certainly will be able to apply again for some other AMEX product in the very near future. You's scores look great!

All Thanks to myFico:
AMEX Business Platinum (NPSL) | AMEX Business SPG ($25,000) | Citi Hilton Honors Reserve ($14,000) | US Bank Cash+ Visa Signature ($13,500) | AMEX H. Honors ($6,000) | FNBO Platinum MC $5,000) | Citi Diamond Preferred ($4,700) | Citi ThankYou Preferred ($3,200) | Chase Freedom ($3,000)

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