Credit Card Center Advertiser Disclosure

Posts: 253
Registered: ‎08-06-2012
0 Kudos

When should I apply for Amex Delta Gold?

I'm itching to app for the Delta Amex Gold card but I know my odds of approval are at best 50/50 right now. 

My oldest acct is 18 months old and I have 6 new accounts within the past year

3 in April of '12

1 in June of '12

2 in October of '12


My TU08 is 675 right now, the big hit of course are the inq's. 



The reason I'm itching to app is that I'm going to be doing some travel this spring and summer and I'd really like to get the 35k bonus plus 2x miles for the trips I'm taking. 
I also know that the odds aren't in my favor and I could just be burning another INQ on a denial. 


If I wait until April for the 3 accts to age my odds will go way up, but I'll lose the potential miles, if I were to get lucky. 



What to do? What to do? 

Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0 Kudos

Re: When should I apply for Amex Delta Gold?

99% they goint to pull all three with your credit file.

And its 40% approval odds.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800

Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Frequent Contributor
Posts: 365
Registered: ‎04-28-2012
0 Kudos

Re: When should I apply for Amex Delta Gold?

Any idea what your experian score is? Amex is likely going to pull that rather than TU.  What's your utilization at?


I opened 5 accounts between April 2012 and December 2012.  Amex approved me for the BCE earlier this month, but my utilization was only at 1%, and I had opened a Green card w/them in October so they had a little bit of a spending profile on me already.

TU: 771 (7/17/17) | EQ: 787 (7/17/17) | EX: 792 (7/17/17)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $34,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013)
Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011
0 Kudos

Re: When should I apply for Amex Delta Gold?

nicholasyud wrote:

99% they goint to pull all three with your credit file.

And its 40% approval odds.


+1 you are borderline with a thin file so the will most likley pull all three...I would give it some time and try when your scored are over 700

Valued Contributor
Posts: 1,505
Registered: ‎03-22-2012
0 Kudos

Re: When should I apply for Amex Delta Gold?

I think you need for those 3 April cards to be 1 year old before apping for the Delta.


Your odds of being approved before that are slim to none.


CC companies like to see at least 1 year of history managing multiple cards before approving credit on their premium products, regardless of scores.

Starting Score: EQ 653 6/21/12
Current Score: EQ 703 8/5/17 - EX 743 8/5/17 - TU 731 8/5/17

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.