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Valued Member
Objectivist
Posts: 52
Registered: ‎09-26-2012

What's harder to apply? AMEX PRG or AMEX Delta Gold?

I want to make sure I apply to the easiest first. I want both cards.


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Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: What's harder to apply? AMEX PRG or AMEX Delta Gold?

ive heard the delta is one of the easier ones. 

but with amex they are all harder ones =)

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adavis425
Posts: 512
Registered: ‎02-14-2012

Re: What's harder to apply? AMEX PRG or AMEX Delta Gold?

I've always thought the revolvers were harder to get. I would app for the PRG and if approved, immediately app for the DG.

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Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Re: What's harder to apply? AMEX PRG or AMEX Delta Gold?


adavis425 wrote:

I've always thought the revolvers were harder to get. I would app for the PRG and if approved, immediately app for the DG.


+1 Agree.  I was instant NPSL approval on Zync and I had to wait a little bit (about 10 minutes) on Delta.  They were done back to back last month.



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improvingmycredit
Posts: 1,384
Registered: ‎07-12-2011

Re: What's harder to apply? AMEX PRG or AMEX Delta Gold?


Duncanrr wrote:

adavis425 wrote:

I've always thought the revolvers were harder to get. I would app for the PRG and if approved, immediately app for the DG.


+1 Agree.  I was instant NPSL approval on Zync and I had to wait a little bit (about 10 minutes) on Delta.  They were done back to back last month.


+1

Alway app the charger first then the revolver.  The lending standards are higher on the revolvers, even the "easiest" of the revolvers.  Hit up the PRG then the Delta.  Wait till you get the approval for the charge product then app the revolver immediately.  This way, you have a better chance at just 1 HP.  Just my .02.  :smileyhappy:. Good Luck!  Let us know the results!


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CreditScholar
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Registered: ‎01-22-2012

Re: What's harder to apply? AMEX PRG or AMEX Delta Gold?

Neither are that difficult to get, but I'd agree with the others in that the Delta revolver would be slightly harder. If you have a FICO of ~680, a decent income, at least 1-2 other reporting TLs and no major derogs, you should be fine.

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Valued Member
Objectivist
Posts: 52
Registered: ‎09-26-2012

Re: What's harder to apply? AMEX PRG or AMEX Delta Gold?


CreditScholar wrote:

Neither are that difficult to get, but I'd agree with the others in that the Delta revolver would be slightly harder. If you have a FICO of ~680, a decent income, at least 1-2 other reporting TLs and no major derogs, you should be fine.


Thanks for the advice guys! I'll let you know the results on Sunday. Is $20,000 enough income?


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Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012

Re: What's harder to apply? AMEX PRG or AMEX Delta Gold?


Objectivist wrote:

CreditScholar wrote:

Neither are that difficult to get, but I'd agree with the others in that the Delta revolver would be slightly harder. If you have a FICO of ~680, a decent income, at least 1-2 other reporting TLs and no major derogs, you should be fine.


Thanks for the advice guys! I'll let you know the results on Sunday. Is $20,000 enough income?


Maybe others can chime in here, but I have a feeling that's extremely iffy. Do you fly Delta a lot? If you do, I can see that you might want the card for the perks (baggage fees, etc.).

 

I wouldn't apply for the PRG with only 20k income though. You simply won't be able to spend enough to realistically offset the $175 AF.

 

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Elcid89
Posts: 567
Registered: ‎10-04-2012

Re: What's harder to apply? AMEX PRG or AMEX Delta Gold?

I wouldn't apply for the PRG with only 20k income though. You simply won't be able to spend enough to realistically offset the $175 AF.

 

+1

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Valued Member
Objectivist
Posts: 52
Registered: ‎09-26-2012

Re: What's harder to apply? AMEX PRG or AMEX Delta Gold?

It's strictly for the bonuses right now. I'll have a much higher income after graduation.


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