AMEX is real picky with certain things, I say wait until january since the bk will drop, it's right around the corner.
Delta traditionally is easier than SPG which is one of their elite revolvers apparently.
If you can reduce your utilization beforehand I'd say you might have a shot at the SPG; however, the Delta Skymiles card is much easier to obtain, and if you're just looking to establish a relationship that's the way to go if you're dead set on a revolver I think. Personally with a BK showing I think I'd go the charge card route now, and then whatever revolver I wanted long term in 1/14.
Either way, I'd make myself look as pretty as possible by paying down the revolving utilization prior to applying.
@CreditScholar wrote:
@Revelate wrote:Delta traditionally is easier than SPG which is one of their elite revolvers apparently.
If you can reduce your utilization beforehand I'd say you might have a shot at the SPG; however, the Delta Skymiles card is much easier to obtain, and if you're just looking to establish a relationship that's the way to go if you're dead set on a revolver I think. Personally with a BK showing I think I'd go the charge card route now, and then whatever revolver I wanted long term in 1/14.
Either way, I'd make myself look as pretty as possible by paying down the revolving utilization prior to applying.
Speaking of easy vs. elite revolvers, how would you rank their revolvers from easiest to most difficult to be approved for?
I don't have near enough information to try to rank all of them myself, I typically just go to the various credit pulls databases and try to datamine some approval ranges. I do know that Amex sent me a pre-approval once upon a time for a Delta Skymiles during the downturn and I've never been FICO pretty regardless. I don't think the underwriting criteria for that card has changed much in the past two years.
However for giggles, a pure swag (with disclaimers, income matters after all):
- Delta
- Costco?
- Hilton?
- Clear?
- SPG/BCE/BCP