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Regular Contributor
Posts: 440
Registered: ‎02-08-2012
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Amex Charge Vs. Delta Sky Miles

Which do you think is harder to get? An Amex charge card or the Delta gold sky miles card?? I hear the sky miles isnt that difficult but do you guys think that its easier or harder to get vs an amex charge?

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
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Re: Amex Charge Vs. Delta Sky Miles

amex charge they gave me two and still wont give me a credit/revlovler card 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
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Re: Amex Charge Vs. Delta Sky Miles

I have to agree with afbar1114, I was denied for BCE last month and got Amex Green this month.

 

However, last month util was way higher, compare to this month of 26%.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
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Re: Amex Charge Vs. Delta Sky Miles

[ Edited ]

Charge is slightly easier to get than Delta and any other AMEX co-branded card.

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)
Contributor
Posts: 322
Registered: ‎10-19-2012
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Re: Amex Charge Vs. Delta Sky Miles


Tommy5746 wrote:

Which do you think is harder to get? An Amex charge card or the Delta gold sky miles card?? I hear the sky miles isnt that difficult but do you guys think that its easier or harder to get vs an amex charge?


Here is a good example... When I applied for my BCE card it took 3 days to approve me however when I applied for PR Gold charge card I was approved in 10 seconds and 30 minutes later I got an email telling me they were rushing out my card. I got it FedEx the next day.

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Amex Charge Vs. Delta Sky Miles

Thats why you app for charge first then delta. Get your footin the door and establish a relationship with them. If you don't get cc then app again in 6 months or 1 year.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Senior Contributor
Posts: 6,277
Registered: ‎08-16-2012
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Re: Amex Charge Vs. Delta Sky Miles

Seems like revolvers are harder to get... I don't like charge cards personally lol I got the Amex BCE with a 696 TU Fico and 688 EQ Fico earlier this month. I'd say if you want the revolver, just make sure you have 680+
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Amex Charge Vs. Delta Sky Miles

+1 I agree on the 680 score. That is a magic number for them. TU score served as my basis for Amex delta and they reported it as 702.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Moderator Emeritus
Posts: 12,034
Registered: ‎12-30-2011
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Re: Amex Charge Vs. Delta Sky Miles

[ Edited ]

Delta card isn't 680 Smiley Happy.  That's BCE/BCP territory these days and those ain't Delta.  Hasn't been in the past either if my old pre-approval during the middle of the mortgage meltdown was any indication.

 

I would agree that a charge card is easier, but the Delta isn't that much harder... 660ish with at least one clean year on a single revolving tradeline, maybe 650 at an absolute floor on the Delta for FICO, though that's not the only underwriting hurdle especially with Amex.  Afbar, your case was exceptional Smiley Happy.

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Amex Charge Vs. Delta Sky Miles

Well, I have a mess still on my CR's.  They pulled a 702 on TU and that was just barely getting approved (they actually pulled all 3 CR's).  Granted I had 90 day late from last year (its off my report now but it was on there at time of app), 90 day late from 5 years ago (same account), different account with 2x30 day lates, paid CO from 2009 and mess Cap1 Auto (last late March 2012).

 

So you can get approved with messed up background if your income and scores are high enough Smiley Happy



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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