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FretlessMayhem wrote:
I was shot down the same day I was approved for Delta Gold with a 657 EX. Is there a magic number, say maybe 660 that it will approve with aside from reasons listed in the denial letter (like too many inqs)? I just realized the genius of it so that I can charge small balances and not take a hit on my CR. Before that I was anti-charge card.
I agree with Cheddar striicly score I have a freind with a 589 who got Gold. It has to be something else
cheddar wrote:
FretlessMayhem wrote:
I was shot down the same day I was approved for Delta Gold with a 657 EX. Is there a magic number, say maybe 660 that it will approve with aside from reasons listed in the denial letter (like too many inqs)? I just realized the genius of it so that I can charge small balances and not take a hit on my CR. Before that I was anti-charge card.Strictly from a score standpoint, 657 should be plenty to get an Amex Green. If they denied you for too many inquiries, then they're not really concerned about your score. They seem to be more concerned about, well, your inquiries.As far as a magic number, that's hard to say. I would really doubt if there is a FICO threshold where they say ,"As long as your score is above this number, it doesn't matter how many inquiries you have." Amex is famous for being extremely non-score centric. FICO scoring isn't everything to them and actually probably means less to them than it does to most other lenders. They're much more interested in the content of your reports.
As giordi said, there is no telling about Amex. After Platinum, I applied for JetBlue and Blue, I am declined for both cards. I am not going to loose my sleep. I am carrying a credit card from CU and another card from FNB Omaha both $5k CL. That is how it is going to be for next few months.
FretlessMayhem wrote:
Concord, did you have any derogs when you applied?
FretlessMayhem wrote:
I was shot down the same day I was approved for Delta Gold with a 657 EX. Is there a magic number, say maybe 660 that it will approve with aside from reasons listed in the denial letter (like too many inqs)? I just realized the genius of it so that I can charge small balances and not take a hit on my CR. Before that I was anti-charge card.