Reply
New Contributor
VegasKyle
Posts: 133
Registered: ‎02-12-2010

Re: Chances for AMEX gold delta?

[ Edited ]

Butter41 wrote:

some paid charge offs from 5 years ago. 9% utilization and no missed payments on anything for over 4 years.


I don't see the harm in applying now.  Doubtful a couple inquires falling off will make the difference between approved and denied, if it does just call them back in May and have them take another look.

 

Also make sure you get the 30,000 skymiles for spending $500 in the first 3 month promotion.  From the little bit of looking I've done it seems those miles are worth somewhere in the $220-$300 range.  I'll be flying delta to Europe this year so the miles and free ck bag are a huge plus. 


Starting Score: EQ 599, TU 577
Current Score: EQ 5/1/13 741, TU 5/1/13 751, EX Fako 5/1/13 769
Goal Score: 750+


Take the FICO Fitness Challenge
Valued Contributor
ryanbush
Posts: 1,293
Registered: ‎08-19-2012

Re: Chances for AMEX gold delta?


VegasKyle wrote:

Butter41 wrote:

some paid charge offs from 5 years ago. 9% utilization and no missed payments on anything for over 4 years.


I don't see the harm in applying now.  Doubtful a couple inquires falling off will make the difference between approved and denied, if it does just call them back in may and have them take another look.

 

Also make sure you get the 30,000 skymiles for spending $500 in the first 3 month promotion.  From the little bit of looking I've done it seems those miles are worth somewhere in the $220-$300 range.  I'll be flying delta to Europe his year so the miles and free ck bag are a huge plus. 


I just made 25K miles worth 900$ a couple of months ago....  they can be very valuable if you use them correctly.

 

Since you are flying to Europe (international) you're first checked bag would have been free anyway, the card is only beneficial for the first free bag if you are flying domestic FYI.

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
New Contributor
shasta
Posts: 68
Registered: ‎11-02-2011

Re: Chances for AMEX gold delta?

I went ahead and apped and got the "pending further review" notification.

 

I apped through "creditcards.com", because when I logged in AMEX, the offer was for 10,000 miles, not 30,000. I don't know if that was a mistake or not.

 

Should I recon?

New Contributor
shasta
Posts: 68
Registered: ‎11-02-2011

Re: Chances for AMEX gold delta?

Sorry, didn't mean to hijack thread......................

Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

Re: Chances for AMEX gold delta?

Yeah... Those three inquiries arent going to matter to Amex imo! Go for it!
You might get a $1k or 2k limit but who cares!!! It's Amex, baby!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
ryanbush
Posts: 1,293
Registered: ‎08-19-2012

Re: Chances for AMEX gold delta?

did they already HP you?

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
Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

Re: Chances for AMEX gold delta?

@ryan...
Dang! 25k miles worth $900!?!!!
This is why I want the Amex Platinum next!!!!

The $450 annual fee would be well worth it!!!! Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Contributor
teddybearkelli1
Posts: 109
Registered: ‎11-06-2012

Re: Chances for AMEX gold delta?

We I applied last week, I received the same pending further review message. I saw on the forum where that was a glitch, so went back and did a check app status on their website and saw an approval.
FICO scores: 790 (EQ) 786 (EX) 796 (TU) |
My Wallet:NFCU CR Visa 24k, AMEX Delta Gd 20k, Walmart Discvr 12k, USAA Plat RA MC 13k, BECU Visa 10k, NFCU NR MC 5k, Sams Discvr 10k, Sportsmans Visa 10k, WF Plat Visa 10k, Paypal Extra MC 10k, BofA Fraternity MC 10k, Sams Credit 10k, USAA World MC 9k, Military Star 8.2k |BOA CR 8k |AMEX Evrdy 8k |Lowes 7.3k | Chase Military Star MC 6k, JCPenneys 5k, Discover IT 5k , Gymboree Visa 4.5k, Sears MC 4k, TJX MC 3.5k, ToysRUS Card 3.5k, Chase Amazon Visa 3k, Home Depot 3k, Citibank Simplicity 4.5k, Amazon Store 2.5k, Fred Meyers Visa 2.5k, Target 2k, Kohls 2k, ITunes Visa 2k, Macys 2k, Barclays Visa 1.7k, Vystar CU Visa 1.5k
Established Member
Butter41
Posts: 14
Registered: ‎12-26-2012

Re: Chances for AMEX gold delta?

I will probably just wait until May until the inquiries age. I'm hoping my score will be a little higher by then as well

Valued Contributor
ryanbush
Posts: 1,293
Registered: ‎08-19-2012

Re: Chances for AMEX gold delta?


youngandcreditwrthy wrote:
@ryan...
Dang! 25k miles worth $900!?!!!
This is why I want the Amex Platinum next!!!!

The $450 annual fee would be well worth it!!!! Lol

Yeah I booked a ticket on Delta from FSM to ATL turn around next day... the price on Deltas' website was 895$ and I booked it on a low level award ticket for 25k miles.

 

That's almost a 3.5% return on spending, pretty good in my book. 

 

I already have a Platinum Delta Business (fathers account) that I get to use all the benefits (200.00 airfare credit, Global Entry, SPG gold status) since he has a personal centurian card, but I am still tempted to upgrade my Green to the Platinum just to have one of my 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

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+