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Dreaded 7 to 10 AMEX Message

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John060675
Valued Contributor

Dreaded 7 to 10 AMEX Message

I applied about 3 hours ago for the Gold Delta Skymiles CC and the rep said that I would get an answer in 7 to 10 days. I assume that is better than a straight up denial.

Now I play the game of checking the application status online every hour. So far they do not have my application loaded in the system.



Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


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Message 1 of 14
13 REPLIES 13
irrational
Frequent Contributor

Re: Dreaded 7 to 10 AMEX Message

Since you've already apped, might as well app for a charge card (Green, gold, PRG, etc). It's my understanding they won't perform another HP, and the requirements for a charge card are lower than a revolver. 

 

Gotta get that 2013 MSD locked in Smiley Very Happy

Current Score: TU (discover) 720 - 6/29/14 | EQ (score watch) 777 - 7/19/14 - Last App 7/21/14

NPSL          |      $27,600         |      $15,000      |      $7,000      |     $2,800     |      $11,000    |      $13,530      |      $5,200
Message 2 of 14
John060675
Valued Contributor

Re: Dreaded 7 to 10 AMEX Message

Should I wait for the answer on the Delta CC or should I apply for a charge card immediately?

Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


Take the myFICO Fitness Challenge
Message 3 of 14
DaylightSlaving
Regular Contributor

Re: Dreaded 7 to 10 AMEX Message


@John060675 wrote:
Should I wait for the answer on the Delta CC or should I apply for a charge card immediately?

Call back and talk to a rep. Explain that you just apped for a revolver and wanted to app for a charge card in the same sitting. And forgot. Or something. Get creative! Lol Smiley Wink



Last App: 12/25/2013
TU: 743 (Discover) Ex: 718 (CS) Goal: 760+ Across All
Gardening Until 6/25/14+
Message 4 of 14
John060675
Valued Contributor

Re: Dreaded 7 to 10 AMEX Message

Just tried for the Green Charge Card and got the same 7 to 10 day message. Oh well. It was worth a try.

Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


Take the myFICO Fitness Challenge
Message 5 of 14
credit-hunter
Frequent Contributor

Re: Dreaded 7 to 10 AMEX Message

Good luck on both.

Message 6 of 14
longtime_lurker
Valued Contributor

Re: Dreaded 7 to 10 AMEX Message

Could just need to verify identity...

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, Citi Premier, US Bank Cash +, Huntington Voice, AAviator, Sallie Mae, Discover IT, Chase Freedom TU:753 EQ Enhanced: 758
Message 7 of 14
DaylightSlaving
Regular Contributor

Re: Dreaded 7 to 10 AMEX Message


@John060675 wrote:
Just tried for the Green Charge Card and got the same 7 to 10 day message. Oh well. It was worth a try.

Hell yeah it was worth a try! I advocate getting as much out of a HP as you can.

Good luck brodude! Smiley Happy



Last App: 12/25/2013
TU: 743 (Discover) Ex: 718 (CS) Goal: 760+ Across All
Gardening Until 6/25/14+
Message 8 of 14
coldnmn
Mega Contributor

Re: Dreaded 7 to 10 AMEX Message

Good Luck!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 9 of 14
FinStar
Moderator Emeritus

Re: Dreaded 7 to 10 AMEX Message

Hopefully, the outcome will be positive.  If not, you can always try next year.

Message 10 of 14
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