11-03-2012 02:16 PM
11-03-2012 02:40 PM
11-03-2012 02:42 PM - edited 11-03-2012 02:42 PM
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.
11-03-2012 02:49 PM
11-03-2012 02:51 PM
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.
11-03-2012 02:56 PM
11-03-2012 05:12 PM
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.
11-03-2012 06:17 PM
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!
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.