@alphaleo26 wrote:Hello All,
Looking to apply for a new travel card. Was looking at the amex delta as I hear their requirments aren't super high. Not looking for any cards that pull eq as I have too many recent hp's there. I have 2 on Tu and 4 on Ex 3 which will fall off in nov. Tu is my highest score. All postive history no baddies or missed payments. Oldest account is 22 months almost 2 yrs. Scores from current as today minus Tu which hasn't updated on the sw but that's another story... Eq 680 Tu 707 Ex 688. Any one think the Amex delta is a possiblity? Want to get foot in door there asap for back dating for later cards. Also up for other cards if you think I may qualify for them.
Thank
Also, you said you were looking for a travel card, but do you actually use Delta? I know it sounds like a dumb question, but there are much better cards out there for general spending. Of course, if you actually fly Delta that's different.
@alphaleo26 wrote:
@myjourney wrote:Scores look good (EX)
However Amex takes more into consideration then scores and then applies its own internal scoring
Any baddies, CC history, AAoA, INQ's in the last 6 months?
Far more info needed.
No baddies, Perfect payment history, util is 7% AAoA is like 8 months. 1 inq in the last 6 months other 3 come off in nov. Just really want the delta to get in with amex thought that was the easiest in. Willing to look at other cards that offer flight and travel i.e hotel benefits also. Just don't want any more inq's on Eq too many on there.
You should select a card based on the card that best serves your needs, not because its an Amex. The amount of credit card spend you have is somewhat important, because you need to be able to hit the initial spend bonus to make cards worth it. Given your scores and AAoAs I think something like a CSP may be out of reach at this point. If you were going to go for an amex maybe the PRG would be easier since its a charge card and it has a decent signup bonus. AF is waived the first year. Amex everyday (and everyday preferred) are nice little cards that earn travel rewards, I'm not sure if those cards require a min credit line. The delta card is only worth it if you actually use delta on a somewhat regular basis. I'd try to get a SP CLI on the cap 1 card before apping for anything and I think your chances go up after your AAoAs hits a year. If your not going to be able to make the min spend then your best bet may be a non-af cash back card to build history with.
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@red259 wrote:
@alphaleo26 wrote:
@myjourney wrote:Scores look good (EX)
However Amex takes more into consideration then scores and then applies its own internal scoring
Any baddies, CC history, AAoA, INQ's in the last 6 months?
Far more info needed.
No baddies, Perfect payment history, util is 7% AAoA is like 8 months. 1 inq in the last 6 months other 3 come off in nov. Just really want the delta to get in with amex thought that was the easiest in. Willing to look at other cards that offer flight and travel i.e hotel benefits also. Just don't want any more inq's on Eq too many on there.
You should select a card based on the card that best serves your needs, not because its an Amex. The amount of credit card spend you have is somewhat important, because you need to be able to hit the initial spend bonus to make cards worth it. Given your scores and AAoAs I think something like a CSP may be out of reach at this point. If you were going to go for an amex maybe the PRG would be easier since its a charge card and it has a decent signup bonus. AF is waived the first year. Amex everyday (and everyday preferred) are nice little cards that earn travel rewards, I'm not sure if those cards require a min credit line. The delta card is only worth it if you actually use delta on a somewhat regular basis. I'd try to get a SP CLI on the cap 1 card before apping for anything and I think your chances go up after your AAoAs hits a year. If your not going to be able to make the min spend then your best bet may be a non-af cash back card to build history with.
Spotless history , Good util %. Better AAoA when I apped and less inq's even though his scores were lower then mine when I apped I think he has a decent chance based on income
