amex costco vs delta gold underwriting standard

newdaddy113 · ‎12-19-2013

Hello All,

im trying to get my foot in the door with an amex revolver card. From reading it seems the amex delta card is the easiest to get. I truly want the costco amex card but not sure I will get approved are the underwriting standard stricter on the costco vs the delta cold. My history is below. scores over 715 across all cba 2 income 70k. No baddies. Oldest acct 1.5yrs. Aaoa 9 months. Currently have the amex greencard. Thanks

Amex Green Card (NPSL) 03/13 - BOA ($7200) 03/13 - WELLS FARGO ($500) 03/13 - DISCOVER IT ($5800) 12/13 Amex delta gold ($18,400) 1/1/14. Amex Gold Business Card (NPSL) 1/2/14. Chase Freedom($7900) 1/9/14 NavyFederal ($25000) 1/16/14 Best Buy ($1000) 8/4/14 Barclays Arrival Plus($12500) 1/29/16 Chase CSP($20000) 1/29/16 Penfed Platinum Rewards ($16000) 1/29/16 NavyFed goRewards ($5000) 1/29/16.
Credit Score EX- 760 EQ- 735 TU- 763 Oldest account 3.2yrs aaoa 2.2 yrs.

myjourney · ‎12-19-2013

Welcome back

How's the new cards are they broke in yet? Lol

Delta is probably easier but run me thur your profile again or attach a link from your last approval so I can jog my memory ...Lol

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

longtime_lurker · ‎12-19-2013

@newdaddy113 wrote:
Hello All,

im trying to get my foot in the door with an amex revolver card. From reading it seems the amex delta card is the easiest to get. I truly want the costco amex card but not sure I will get approved are the underwriting standard stricter on the costco vs the delta cold. My history is below. scores over 715 across all cba 2 income 70k. No baddies. Oldest acct 1.5yrs. Aaoa 9 months. Currently have the amex greencard. Thanks

Since you're already in the door, I would assume that it'd be a SP unless approved, but I'd wait and hear that from someone else before you go trigger happy...I'm new to the Amex family and I don't want to burden your CR with another HP if I'm wrong!

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, Citi Premier, US Bank Cash +, Huntington Voice, AAviator, Sallie Mae, Discover IT, Chase Freedom TU:753 EQ Enhanced: 758

09Lexie · ‎12-19-2013

You are probably fine with TE but wait until Jan.

Closing Credit Cards

The Definitive Amex 3X CLI Guide

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newdaddy113 · ‎12-19-2013

this is my history so far?

1. Oct 2012 I became an AU on my parents AMEX Green.

2. Started working in January 2013 and bought a car with a cosigner so it shows as a Joint account in my CR

3. In March 2013 I was approved for my own Amex Green card and also opened 2 secured credit cards with Wells Fargo and BOA for $500 each

4. June 2013 I leased a car through toyota financing

4. I have a total of 10 inquires on my report from the car purchases

5. Salary is 70k

6. AAOA is 0.8

7 Utilization is 5%

Amex Green Card (NPSL) 03/13 - BOA ($7200) 03/13 - WELLS FARGO ($500) 03/13 - DISCOVER IT ($5800) 12/13 Amex delta gold ($18,400) 1/1/14. Amex Gold Business Card (NPSL) 1/2/14. Chase Freedom($7900) 1/9/14 NavyFederal ($25000) 1/16/14 Best Buy ($1000) 8/4/14 Barclays Arrival Plus($12500) 1/29/16 Chase CSP($20000) 1/29/16 Penfed Platinum Rewards ($16000) 1/29/16 NavyFed goRewards ($5000) 1/29/16.
Credit Score EX- 760 EQ- 735 TU- 763 Oldest account 3.2yrs aaoa 2.2 yrs.

myjourney · ‎12-19-2013

Nevermind I found it Lol

My famous words again "Good to GO"

In January for either card for backdating purposes

http://ficoforums.myfico.com/t5/Credit-Cards/should-I-continue-to-Garden-or-Apply-for-the-Discover-I...

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

newdaddy113 · ‎12-19-2013

Will let you guys know how it goes on January 1st. Thanks again

Amex Green Card (NPSL) 03/13 - BOA ($7200) 03/13 - WELLS FARGO ($500) 03/13 - DISCOVER IT ($5800) 12/13 Amex delta gold ($18,400) 1/1/14. Amex Gold Business Card (NPSL) 1/2/14. Chase Freedom($7900) 1/9/14 NavyFederal ($25000) 1/16/14 Best Buy ($1000) 8/4/14 Barclays Arrival Plus($12500) 1/29/16 Chase CSP($20000) 1/29/16 Penfed Platinum Rewards ($16000) 1/29/16 NavyFed goRewards ($5000) 1/29/16.
Credit Score EX- 760 EQ- 735 TU- 763 Oldest account 3.2yrs aaoa 2.2 yrs.

myjourney · ‎12-19-2013

@newdaddy113 wrote:
Will let you guys know how it goes on January 1st. Thanks again

Good luck

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

jamesdwi · ‎12-20-2013

@09Lexie wrote:
You are probably fine with TE but wait until Jan.

+1 back dating goodness rocks

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k