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Valued Member
Posts: 28
Registered: ‎06-16-2007
0

Thinking about AMEX, but.......

I know they mostly pull EX, but can pull EQ.  My EX score is 680, with a couple of 30 day lates and a 60 day late from late 2004.  That is the only baddies!  I'm running about 40% utilization and looking at getting a good card to drop that.  I have paid off several accounts, basicallly because I didn't want to use them with my wife out of work.  I didn't realize at the time that closing these accounts would do more harm than good. So, how good of a chance do you think I would have with the AMEX?  If I apply, should it be for Gold Delta Skymiles or the Starwoods card?
 
Dragon
Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
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Re: Thinking about AMEX, but.......



dragonheartt wrote:
I know they mostly pull EX, but can pull EQ.  My EX score is 680, with a couple of 30 day lates and a 60 day late from late 2004.  That is the only baddies!  I'm running about 40% utilization and looking at getting a good card to drop that.  I have paid off several accounts, basicallly because I didn't want to use them with my wife out of work.  I didn't realize at the time that closing these accounts would do more harm than good. So, how good of a chance do you think I would have with the AMEX?  If I apply, should it be for Gold Delta Skymiles or the Starwoods card?
 
Dragon


You should be approved for a Delta skymiles and Starwoods.  But you should try and GW the lates first and see if they get deleted and bring your util down to 1-9%.  These actions might later qualify you for a better Amex card, perhaps a Blue or Blue Cash.
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Valued Member
Posts: 28
Registered: ‎06-16-2007
0

Re: Thinking about AMEX, but.......

Goodwill letters were sent last week.  Chase was one of them, so I'm keeping my fingers crossed.  I guess giving the letters about a month to see if I get a response wouldn't hurt.  Thanks for the response.
 
Dragon
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
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Re: Thinking about AMEX, but.......



dragonheartt wrote:
My EX score is 680, with a couple of 30 day lates and a 60 day late from late 2004.
...
how good of a chance do you think I would have with the AMEX?


With a 680 EX, if you have no defaulted AMEX CCs in your past, and no BK on your CRs, you should have no trouble getting a Delta. With a 680, I'd recommend you try for Blue as well. If you apply same day, odds are good you'll get at most 1 pull per CRA--likely only EX and maybe also TU.
 
Valued Member
Posts: 28
Registered: ‎06-16-2007
0

Re: Thinking about AMEX, but.......



Noah_Bodie wrote:

With a 680 EX, if you have no defaulted AMEX CCs in your past, and no BK on your CRs, you should have no trouble getting a Delta. With a 680, I'd recommend you try for Blue as well. If you apply same day, odds are good you'll get at most 1 pull per CRA--likely only EX and maybe also TU.
 


I'm alittle confused, is it the plain Delta Card or the Gold Delta that I should apply for?
 
Dragon
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
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Re: Thinking about AMEX, but.......

Delta Gold.
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