General Credit Topics

[Tuscani]

Try for the HILTON HHONORS card as well! If you apply within 7 days of your Delta it shouldn't cost you another Inq.

Also, remember to ask for CLI on activation!

PS... If you have a mid 600 EX score with no BK you should try and get your foot in the door with AMEX now!

GL!

[Jay1987]

Is the 7 days - no addl inq for all AMEX cards or just for the Delta & Hilton Honors?

[Tuscani]

No.. I believe any card within a certain period with AMEX count as one Inq. I think that period is 30 days, but posted 7 to be safe. As always, YMMV.

PS... This does not mean you should be greedy and go on an AMEX app spree. You do not want a AMEX FR.

[Jay1987]

I applied for two AMEX - to replace my two "starter" cards with Credit One & First Premier. Delta & Blue. Delta was instant approval. Blue was "We need to process" - Was approved 2 days later. The INQ was a day apart & it counted as two seperate INQs.

[Tuscani]

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Jay1987 wrote:

I applied for two AMEX - to replace my two "starter" cards with Credit One & First Premier. Delta & Blue. Delta was instant approval. Blue was "We need to process" - Was approved 2 days later. The INQ was a day apart & it counted as two seperate INQs.

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Well, like I said YMMV. It is normal to get "Pending" on the second app, but so far what I have read the second app (at least for Delta and Hilton) is not costing people an extra Inq. IMO, the extra Inq is worth it anyway!  

Message Edited by Tuscani on 06-08-2007 08:21 AM

[Cory]

SHussss!, don't tell IRVIN. I bet he has already applied, twice. lol....................okay back to work.

Cory

P.S. All you guys have a great weekend.

[Irvin]

HAHA. Nah man. I am done applying for credit until 2008 when i plan on buying a car.

I am going on a strike against applying for new credit now.  That's it.

[Tuscani]

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Irvin wrote:

HAHA. Nah man. I am done applying for credit until 2008 when i plan on buying a car.

I am going on a strike against applying for new credit now.  That's it.

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Cmon.. you know you want to.

[Holmes007]

Is this card a Delta AMEX Business Card or Personal Card

[Tuscani]

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Holmes007 wrote:

Is this card a Delta AMEX Business Card or Personal Card

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Personal