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Frequent Contributor
Posts: 474
Registered: ‎09-12-2010
0

Re: Gold Delta SkyMiles AMEX

had a 728 ex score when i was approved, was instant approval for 2k, less than 10% utilization, lots of inquires and new accounts and no derogs aaoa 1.5 years, 2 years 8 months total credit history got approved back in december then closed it in february because they wouldnt honor the better intro miles offer after spending $500 i was supposed to get 30k miles but instead i got 10k for my first purchase. I had zync for a little over a year at that time too. I closed both cards. I apped for amex blue cash everyday and got instant approval again same stats this month 2k limit 45k income

FICO scores - 727 TU(Walmart)/ 727 EX(Amex app)/ 721 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($2,000), Discover More($3,000), Chase Freedom($2,000), Fidelity Amex($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000) ,Citi Simplicity($2,000), Paypal SmartConnect($3,100), Walmart Store Card($2,350), Chase Amazon Visa($700), Target RedCard($500), Capital One Cash Rewards($750), Best Buy Store Card($1,900), HHGregg($2,000), Amazon Store Card($1,250),Newegg Preferred Account($2,000), Park West($2,000), BankAmericard Travel Rewards($5,000)
Regular Contributor
Posts: 246
Registered: ‎01-25-2008
0

Re: Gold Delta SkyMiles AMEX

I know, but I was expecting American Express to frown on 702 lol. I figured I needed higher in this credit climate. I was thinking oh I'm not getting approved with 702, Amex will probably require 725 or so. That's why I expected a denial letter.Smiley Happy

Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: Gold Delta SkyMiles AMEX


armywifey85 wrote:

I know, but I was expecting American Express to frown on 702 lol. I figured I needed higher in this credit climate. I was thinking oh I'm not getting approved with 702, Amex will probably require 725 or so. That's why I expected a denial letter.Smiley Happy


I think as long as your score is above 700 and your stats are OK thats good enough for AMEX.




EQ FICO 548 3/3/16
Valued Contributor
Posts: 2,489
Registered: ‎01-22-2012
0

Re: Gold Delta SkyMiles AMEX


armywifey85 wrote:

I know, but I was expecting American Express to frown on 702 lol. I figured I needed higher in this credit climate. I was thinking oh I'm not getting approved with 702, Amex will probably require 725 or so. That's why I expected a denial letter.Smiley Happy


Scores in the 700s are in the "good territory" and will open most doors to you, including some Amex revolvers. Smiley Happy
EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
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Blogger
Posts: 3,367
Registered: ‎10-19-2012
0

Re: Gold Delta SkyMiles AMEX


armywifey85 wrote:

This card was really easy to get. I had like 6 inq on my report. They hit my worse credit report exp @702. I was like omg I'm not getting it. 


+1

 

I had 6 inquiries on Equifax, and I know they pulled at least Equifax. They only gave me a $1,000 limit though. This is the lowest among my current cards, but I was trying to get any Amex card by the end of the year, so at least I achieved my objective.

 

Established Contributor
Posts: 738
Registered: ‎08-15-2014
0

Re: Gold Delta SkyMiles AMEX

[ Edited ]

Hi guys. I haven't refreshed my scores yet. buts as of right now these are my starting scores B4 I had 1 baddie remove from my Experian(3 left). EQ 0, EX 534, an TU 540. I currently have 3 baddies on my EX. I just got 1 BOA secured card, 1 Cap One secured an 1 Discover IT card. I also got 2 installments loans. 1 auto an one Shared secured. When do you guys think I can possibly qualify for the Amex Delta Sky miles charge card?

Starting Scores: EQ 0, EX 534 ,TU 540 8/14: Current Score EQ 685 FICO 08 (2/15), EX 685 FICO 08 (5/15) TU 687 Discover IT (5/15).
Goal Score: 700 accross the board

Starting Score: 534
Current Score: 685
Goal Score: 700


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Regular Contributor
Posts: 228
Registered: ‎03-04-2010
0

Re: Gold Delta SkyMiles AMEX


Rookie2008 wrote:

Hi guys. I haven't refreshed my scores yet. buts as of right now these are my starting scores B4 I had 1 baddie remove from my Experian(3 left). EQ 0, EX 534, an TU 540. I currently have 3 baddies on my EX. I just got 1 BOA secured card, 1 Cap One secured an 1 Discover IT card. I also got 2 installments loans. 1 auto an one Shared secured. When do you guys think I can possibly qualify for the Amex Delta Sky miles charge card?


That seems like a lot of new accounts in a short amount of time. Maybe you should conside gardening, letting the accounts age, bring your scores up and then apply? Smiley Happy

Current Score (7/2016): EQ: 678 | TU: 700 | EX: 707---Starting Score (3/2010): EQ: 522 | TU: 525 | EX: ???---Goal: All 3 FICO 750+
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