09-10-2012 06:30 PM
BARBARIC YULP......approved for delta sky miles card also !!!!!!!!!!!!!!!!
Thanks everyone. I'm so happy. This balances the 12k hit I took for storm damage.
how much did they approved you again ?
09-10-2012 06:37 PM
09-10-2012 06:43 PM
09-10-2012 06:56 PM
09-10-2012 07:03 PM
a recon on a card after you become a member can result in a HP with denial rather than a SP denial, unless you can convince them to use the same HP, but I don't know how they are with doing that.
I got approved for a Delta Symiles and the applied fo the Gold...Denied. I believe they used the same credit report as i saw one inquiry from them on EQ...
09-10-2012 09:05 PM
Can you tell if you had any baddies on your report, I would like to apply soon, your scores are similar to mine. But I have a few paid baddies left on my report. Thanks in advance.
09-10-2012 09:38 PM - edited 09-10-2012 09:43 PM
I had a ton of baddies.
Sallie Mae Student loan 1x30 day (Dec 2010)
Sallie Mae Student loan 2x90 day (July 2011 and Nov 2006) -different account than the 30 day late
CO Verizon 2009 for $108 (paid)
Cap1 Auto complete mess (last late, 30x in March 2012). like 4 or so 60 days and 10x 30 days.
On other hand: My positives
26 accounts total on EX all perfect except the 4 above
AAoA over 10 years
DTI ratio 20%
5 years own my home
6 figure salary with 3 years at current job
Never had BK, judgment or lien...reports also no longer show any Collection accounts
3 months used AMEX paid debit card (For whatever thats worth) - pushed about 1k per month through it and never let balance fall below $50
09-10-2012 10:24 PM
Thanks Duncanrr, your info is very beneficial to those of us who want to bite the bullet, and take a chance on American Express. Congratulations again on your new cards.
09-10-2012 10:32 PM - edited 09-10-2012 10:33 PM
I had nothing to lose. Circumstances are forcing me to get SBA-disaster loan and since I found out today that its an EX pull and that a sub 700 score actually gets me a better loan (yes...its backwards with government) I decided that my scores are as good as I can get them right now except for a successful GW, so I might as well app. My EX score is probably around 700. Worst case, I didnt get cards but got better rate with SBA.
I think my other factors allowed me to get AMEX cards. I'm not sure if I could get any other prime cards but with the ones I have right now and my CU products I'll be able to just garden those for a while and be very happy with them.