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Contributor
CreditControl
Posts: 84
Registered: ‎06-29-2009
0

AMEX Gold Delta - Scenario

Looking for some direction here....

 

I am authorized user on DH AMEX Delta Skymiles but just received a 50,000 mile email offer we could really use for the miles.   In addition to the introductory miles offer, I also travel delta a little more than my husband and would like the free baggage when I travel without him.  Additionally, the add to my utilization would be nice - my husband's card would still be primary otherwise I feel we'd be competing against each other.

 

Will the existing card come into play at all?  Card opened Dec 2010 - no lates, current util 15%

Will this be a HP?

 

My overall current util:  55% (still working on that)

Salary:  100k plus

EX score:  704, EQ: 682

 

Lastly - do you think I have a chance given the facts?

 


CSP - 11,000 Chase Freedom 12,000; AMEX Delta Gold 2,000; AMEX Delta Platinum (AU) 15,000; Discover IT 9,500; BOA Cash Rewards 30,000; AMEX BCE 9,900; Belk 7,000; Macys 7,000; Lane Bryant 3,600; HH Gregg 3,000; Care Credit; 7,200; Bloomingdale's 3,000
Valued Contributor
ryanbush
Posts: 1,292
Registered: ‎08-19-2012
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Re: AMEX Gold Delta - Scenario


CreditControl wrote:

Looking for some direction here....

 

I am authorized user on DH AMEX Delta Skymiles but just received a 50,000 mile email offer we could really use for the miles.   In addition to the introductory miles offer, I also travel delta a little more than my husband and would like the free baggage when I travel without him.  Additionally, the add to my utilization would be nice - my husband's card would still be primary otherwise I feel we'd be competing against each other.

 

Will the existing card come into play at all?  Card opened Dec 2010 - no lates, current util 15%

Will this be a HP?

 

My overall current util:  55% (still working on that)

Salary:  100k plus

EX score:  704, EQ: 682

 

Lastly - do you think I have a chance given the facts?

 


I think you need to work your UTL down a little further first... do you have any current or past AMEX accounts of your own?

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Contributor
CreditControl
Posts: 84
Registered: ‎06-29-2009
0

Re: AMEX Gold Delta - Scenario

I have only had an AMEX corp card years ago and the AMEX with DH back dated to his AMEX corp card of 2007.

 

My highest card is Chase Freedom (12/12) $581/$6300. 


CSP - 11,000 Chase Freedom 12,000; AMEX Delta Gold 2,000; AMEX Delta Platinum (AU) 15,000; Discover IT 9,500; BOA Cash Rewards 30,000; AMEX BCE 9,900; Belk 7,000; Macys 7,000; Lane Bryant 3,600; HH Gregg 3,000; Care Credit; 7,200; Bloomingdale's 3,000
Established Contributor
ibmrad7
Posts: 674
Registered: ‎12-11-2010
0

Re: AMEX Gold Delta - Scenario

I applied for Amex Hilton Honors when my overall util was hovering around 80% and still got approved for 4500 CL. I had their Zync card for 2 years though.


Starting Score: 583
Current Score: 692
Goal Score: 750+


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Contributor
CreditControl
Posts: 84
Registered: ‎06-29-2009
0

Re: AMEX Gold Delta - Scenario

Thanks - that is why I am wondering if the AU on DH's card would factor in at all....


CSP - 11,000 Chase Freedom 12,000; AMEX Delta Gold 2,000; AMEX Delta Platinum (AU) 15,000; Discover IT 9,500; BOA Cash Rewards 30,000; AMEX BCE 9,900; Belk 7,000; Macys 7,000; Lane Bryant 3,600; HH Gregg 3,000; Care Credit; 7,200; Bloomingdale's 3,000
Established Contributor
ibmrad7
Posts: 674
Registered: ‎12-11-2010
0

Re: AMEX Gold Delta - Scenario

You have a high income (the same +ve factor that helped me get approval). If you don't have any baddies/ lates on your report then I think you should give it a shot.

Reading this forum also makes one believe that Amex Delta Gold is one of the easiest way in amex's door.


Starting Score: 583
Current Score: 692
Goal Score: 750+


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Contributor
CreditControl
Posts: 84
Registered: ‎06-29-2009
0

UPDATE: AMEX Gold Delta - Scenario

I pulled the trigger online and...........................Approved!  Called the back door number to check app status and it is $2k and I will take it for now!  Thanks to THIS board I am setting a reminder to CLI in 61 days.  Miles, miles, miles!!!

 

Thank you all who replied to my inquiry AND have shared so much information in general!


CSP - 11,000 Chase Freedom 12,000; AMEX Delta Gold 2,000; AMEX Delta Platinum (AU) 15,000; Discover IT 9,500; BOA Cash Rewards 30,000; AMEX BCE 9,900; Belk 7,000; Macys 7,000; Lane Bryant 3,600; HH Gregg 3,000; Care Credit; 7,200; Bloomingdale's 3,000
Established Contributor
ibmrad7
Posts: 674
Registered: ‎12-11-2010
0

Re: UPDATE: AMEX Gold Delta - Scenario

Congrats!!!

I would have pulled the trigger as well :-)

 

You'll be 6000 in 2 months :smileywink:

 

Congrats again...


Starting Score: 583
Current Score: 692
Goal Score: 750+


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09Lexie
Posts: 26,285
Registered: ‎09-13-2012
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Re: UPDATE: AMEX Gold Delta - Scenario

Established Contributor
knoregs
Posts: 571
Registered: ‎06-04-2012
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Re: UPDATE: AMEX Gold Delta - Scenario


CreditControl wrote:

I pulled the trigger online and...........................Approved!


Congrats!

 

~kn


EQ: 769 (FICO ScoreWatch) 9/22/14
EX: ??? (No Current)
TU: 682 (Discover FICO) 9/12/14

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