Reply
Frequent Contributor
tsquad131
Posts: 474
Registered: ‎09-12-2010

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

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: 15,434
Registered: ‎04-09-2011

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

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: 2,836
Registered: ‎10-19-2012

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.

 


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
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+