topic Re: Approved for Delta Skymiles Platinum in Credit Card Approvals

Approved for Delta Skymiles Platinum

fsalsa2 — Tue, 15 Dec 2020 07:07:13 GMT

Hey guys, I've been a member of the forums for a few months but have been using the forums for the last year or so in my journey to learn more about credit. One of the credit card companies I've been trying to get a card with for the past 3 years has finally approved me for a delta skymiles platinum card. Definitely surprised and will continue building a relationship with them. For anyone who's had a long relationship with Amex, what advice can you give about applying for other credit or charge cards in the future?
Experian (fico 8) 645

Experian (fico 9) 674

Re: Approved for Delta Skymiles Platinum

silver_idle — Tue, 15 Dec 2020 07:33:56 GMT

@fsalsa2 wrote:
Hey guys, I've been a member of the forums for a few months but have been using the forums for the last year or so in my journey to learn more about credit. One of the credit card companies I've been trying to get a card with for the past 3 years has finally approved me for a delta skymiles platinum card. Definitely surprised and will continue building a relationship with them. For anyone who's had a long relationship with Amex, what advice can you give about applying for other credit or charge cards in the future?
Experian (fico 8) 645
Experian (fico 9) 674

Congrats. AMEX uses Experian & FICO8 scores for that report and based on your score, I would probably recommend that you use your card for about 3 to 6 months (6 or more is better) until you get closer to 700 for FICO8. Of course there are many factors they may consider such as what is on your report thats suppressing your scores, income, etc., so you could probably apply right now for another card and *might* get approved, however youre likely borderline with them so I wouldnt push it. If youre rebuilding, you might want to garden for about a year.

Re: Approved for Delta Skymiles Platinum

fsalsa2 — Tue, 15 Dec 2020 07:38:49 GMT

That's a valid point and I definitely don't want to push my luck. Here's some data that might help you or anyone else in assisting me with deciding whether to hold of or apply for another Amex card. I will likely just hold off for 3-6 months and then apply for another card.

Credit profile:

AAOA: 4 years and 2 months

Overall Credit Utilization: 51% with overall utilization being adjusted to roughly 35% with a recent CLI and the new Amex card

inquiries: 5 in the past year

Re: Approved for Delta Skymiles Platinum

fsalsa2 — Tue, 15 Dec 2020 07:39:43 GMT

Additionally my initial Credit limit with Amex is $1700.

Re: Approved for Delta Skymiles Platinum

silver_idle — Tue, 15 Dec 2020 08:30:06 GMT

@fsalsa2 wrote:
That's a valid point and I definitely don't want to push my luck. Here's some data that might help you or anyone else in assisting me with deciding whether to hold of or apply for another Amex card. I will likely just hold off for 3-6 months and then apply for another card.
Credit profile:
AAOA: 4 years and 2 months
Overall Credit Utilization: 51% with overall utilization being adjusted to roughly 35% with a recent CLI and the new Amex card
inquiries: 5 in the past year

@fsalsa2 wrote:
Additionally my initial Credit limit with Amex is $1700.

Any negatives remarks from any accounts? If not then the only thing that would be suppressing your score would be the utilization and with you having a SL of $1.7k, thats usually a good sign based on many other DP but you might want to continue checking the prequalification page to see what prequalification offers they might have for you. Maybe others will chime in with some DP for you. Best of luck!

Re: Approved for Delta Skymiles Platinum

Anonymous — Tue, 15 Dec 2020 10:35:37 GMT

Congrats on getting the card

Re: Approved for Delta Skymiles Platinum

AllZero — Tue, 15 Dec 2020 11:03:00 GMT

Congratulations on your approval!

Re: Approved for Delta Skymiles Platinum

coreyb80 — Tue, 15 Dec 2020 14:33:10 GMT

Congrats on the approval!

Re: Approved for Delta Skymiles Platinum

M_Smart007 — Tue, 15 Dec 2020 14:46:02 GMT

Congratulations!

Re: Approved for Delta Skymiles Platinum

gdale6 — Tue, 15 Dec 2020 15:54:20 GMT

Grats on your skymiles card

Re: Approved for Delta Skymiles Platinum

blindambition — Tue, 15 Dec 2020 16:02:36 GMT

Congrats on your approval!!! I'd work on scores and bring down overall utilization. Two things Amex pays attention to. Time and payment history will be your biggest relationship builder.

Re: Approved for Delta Skymiles Platinum

fsalsa2 — Tue, 15 Dec 2020 16:03:29 GMT

Thank you for the advice! Noted!

@blindambition wrote:
Congrats on your approval!!! I'd work on scores and bring down overall utilization. Two things Amex pays attention to. Time and payment history will be your biggest relationship builder.

Re: Approved for Delta Skymiles Platinum

cashorcharge — Tue, 15 Dec 2020 21:48:31 GMT

That's terrific! Congratulations on your approval!

Re: Approved for Delta Skymiles Platinum

Conceptual23 — Tue, 15 Dec 2020 23:53:20 GMT

Congrats on the approval!

Re: Approved for Delta Skymiles Platinum

MartyWrite75 — Wed, 16 Dec 2020 00:47:49 GMT

Congratulations on your approval!

Re: Approved for Delta Skymiles Platinum

CreditAggie — Wed, 16 Dec 2020 03:55:48 GMT

Congratulations on your Delta Skymiles Platinum approval!

Re: Approved for Delta Skymiles Platinum

Anonymous — Wed, 16 Dec 2020 17:23:37 GMT

Congratulations!

Re: Approved for Delta Skymiles Platinum

dudefromtx — Wed, 16 Dec 2020 17:24:29 GMT

Congrats on your approval!

Re: Approved for Delta Skymiles Platinum

janderson126 — Fri, 23 Apr 2021 13:08:01 GMT

Congrats on your new approval!

Re: Approved for Delta Skymiles Platinum

MyFault — Fri, 23 Apr 2021 14:30:39 GMT

Congrats!