Reply
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.:smileyhappy:

Mega Contributor
Posts: 15,442
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
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
Posts: 3,355
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: 706
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 650 FICO 08 (2/15), EX 672 FICO 08 (4/15) TU 682 Discover IT (4/15).
Goal Score: 700 accross the board

Starting Score: 534
Current Score: 682
Goal Score: 700


Take the myFICO Fitness Challenge



Regular Contributor
Posts: 163
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 (3/2015): EQ: 672 | TU: 696 | EX: 678 Starting Score (3/2010): EQ: 522 | TU: 556 | EX: ???----------
oooooooo-----------
-------Last Pull: 3/16/2015 | Goal: All 3 FICO 750+
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.