Credit Cards

[SpeedingWheels]

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? 

[nicholasyud]

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

And its 40% approval odds.

[isoldmyatlas]

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.

[beb86]

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nicholasyud wrote:

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

And its 40% approval odds.

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+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

[jamie123]

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.