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Frequent Contributor
tsquad131
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
armywifey85
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.:smileyhappy:

Mega Contributor
LS2982
Posts: 15,436
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.:smileyhappy:


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




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
CreditScholar
Posts: 2,300
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.:smileyhappy:


Scores in the 700s are in the "good territory" and will open most doors to you, including some Amex revolvers. :smileyhappy:
FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Blogger
HiLine
Posts: 3,176
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.

 

Frequent Contributor
Rookie2008
Posts: 347
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 670 (12/14), EX 678 vantage (12/14) TU 689 Discover IT (12/14).
Goal Score: 700 accross the board

Starting Score: 534
Current Score: 689
Goal Score: 700


Take the myFICO Fitness Challenge



Regular Contributor
Loques
Posts: 153
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? :smileyhappy:

Current Score (12/2014): EQ: 665 | TU: 701 | EX: 672 | CK: 669 Starting Score (3/2010): EQ: 522 | TU: 556 | EX: ???----------
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-----Last Pull: 6/18/2014 | Goal: All 3 FICO 750+

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