topic Re: Amex Delta Gold Approved in Credit Card Approvals

Amex Delta Gold Approved

Anonymous — Sun, 31 Jan 2021 03:22:53 GMT

Just wanted to share my Amex approval stats for anyone in the same boat as me as well as everyone else. Approved for Amex Delta Gold less than 5 mins ago. FICO EXP: 640, 6 INQ (2 for Amex in 2020, 1 for Amex Gold denied and the other for Amex BCE denied) same **bleep** score. 1 medical collection in the amt of $1500 from 5 years ago but it keeps changing hands so it's opened time on it is whenever a new Co buys it which as of today was 07/20 on my EXP.

My current cards are as follows:

Cap one QS: $500, opened 2018 as a platinum.

Cap one QS One: $1500 - 2019.

CFU: $4300 - 2019.

DS IT: $2200 - 2019.

Amazon Prime Chase: $3k - 2020.

CFF: $1k - 2020.

GS Apple: $1500 - 2021.

Income - $80k (Rounded)

Can I apply for Amex Gold with a SP or not really ?

Re: Amex Delta Gold Approved

AllZero — Sun, 31 Jan 2021 03:25:41 GMT

Congratulations on your approval!

Re: Amex Delta Gold Approved

Anonymous — Sun, 31 Jan 2021 03:32:50 GMT

@AllZero wrote:
Congratulations on your approval!

Thank you !

Re: Amex Delta Gold Approved

Ficoproblems247 — Sun, 31 Jan 2021 03:49:20 GMT

@Anonymous wrote:

Can I apply for Amex Gold with a SP or not really ?

It sounds like you likely had a borderline approval for the Delta card. The Delta and Hilton family of cards typically have less stringent underwriting standards than their charge cards, which is probably why you were approved for the Delta after already being denied for the Gold with the same score. If it were me, I would show them a solid 6 months- 1 year of responsible use on your current card, and then start checking for pre-approved offers while logged in to your online portal. Congrats on getting in with AMEX, and good luck on your next swing at that Gold card!

Re: Amex Delta Gold Approved

CreditAggie — Sun, 31 Jan 2021 04:05:59 GMT

Congratulations on your Amex approval

Re: Amex Delta Gold Approved

Anonymous — Sun, 31 Jan 2021 04:59:59 GMT

Congrats on the AMEX approval!

Re: Amex Delta Gold Approved

Anonymous — Sun, 31 Jan 2021 05:03:58 GMT

@Ficoproblems247 wrote:
@Anonymous wrote:

Can I apply for Amex Gold with a SP or not really ?
It sounds like you likely had a borderline approval for the Delta card. The Delta and Hilton family of cards typically have less stringent underwriting standards than their charge cards, which is probably why you were approved for the Delta after already being denied for the Gold with the same score. If it were me, I would show them a solid 6 months- 1 year of responsible use on your current card, and then start checking for pre-approved offers while logged in to your online portal. Congrats on getting in with AMEX, and good luck on your next swing at that Gold card!

I agree. Their Delta cards they have really loosened the UW on, so it is by far the easiest AMEX cards to get with low scores. If you weren't apprived at the same score for a gold card, I wouldn't expect that has changed right now.

What was the CL you were given for the Delta Card?

Plus, I would also try their pre-approvals instead of wasting inquiries with cold apping. I also believe that since you now have an AMEX account, you can check within your account if you have any offers/preapprovals.

Be patient and you will get your card when the time is right and they are more comfortable with you!

Realy quick, no matter how many CAs the CA goes through, the "opened date" does not matter. It never changes the DoFD (date of first delinquency). Seeing about resolving that collection would probably greatly help your profile and scores. You should look into PFD (pay for delete) for it.

Re: Amex Delta Gold Approved

M_Smart007 — Sun, 31 Jan 2021 06:47:51 GMT

Congratulations!

Re: Amex Delta Gold Approved

Credit4Growth — Sun, 31 Jan 2021 14:17:59 GMT

Congratulations on the Delta Gold approval!

Re: Amex Delta Gold Approved

gdale6 — Sun, 31 Jan 2021 14:19:05 GMT

Nice, grats on the Delta gold and welcome to myfico

Re: Amex Delta Gold Approved

ACN323 — Sun, 31 Jan 2021 16:01:26 GMT

Congrats on your approval!

Re: Amex Delta Gold Approved

cashorcharge — Sun, 31 Jan 2021 18:28:00 GMT

That's terrific! Congratulations on your approval!! 🎉🥂

Re: Amex Delta Gold Approved

Aim_High — Sun, 31 Jan 2021 19:23:06 GMT

Congratulations on your Delta Gold approval, @Anonymous!

waytogo.jpg

Re: Amex Delta Gold Approved

Shaw83 — Sun, 31 Jan 2021 21:55:10 GMT

@Anonymous wrote:
Just wanted to share my Amex approval stats for anyone in the same boat as me as well as everyone else. Approved for Amex Delta Gold less than 5 mins ago. FICO EXP: 640, 6 INQ (2 for Amex in 2020, 1 for Amex Gold denied and the other for Amex BCE denied) same **bleep** score. 1 medical collection in the amt of $1500 from 5 years ago but it keeps changing hands so it's opened time on it is whenever a new Co buys it which as of today was 07/20 on my EXP.
My current cards are as follows:
Cap one QS: $500, opened 2018 as a platinum.
Cap one QS One: $1500 - 2019.
CFU: $4300 - 2019.
DS IT: $2200 - 2019.
Amazon Prime Chase: $3k - 2020.
CFF: $1k - 2020.
GS Apple: $1500 - 2021.
Income - $80k (Rounded)
Can I apply for Amex Gold with a SP or not really ?

Congrats on your approval. I tried and got denied EX fico 646 no baddies. Uti 10% . I do have a bk7 that should fall off next year.

Re: Amex Delta Gold Approved

Anonymous — Sun, 31 Jan 2021 22:50:00 GMT

Congratulations on the Amex delta approval !

Re: Amex Delta Gold Approved

Anonymous — Mon, 01 Feb 2021 00:12:03 GMT

Thanks everyone ! My SL is $2k. Seems like sounds advice to just be patient and build a solid relationship with them and then I can try the 3 CLI and maybe even for the GOLD card, We shall see.

Re: Amex Delta Gold Approved

Anonymous — Mon, 01 Feb 2021 00:13:49 GMT

Hey @Shaw83, I'm sorry about the denial and I wish you the best of luck in your credit journey and hopefully a approval in the near future for you.

Re: Amex Delta Gold Approved

Getty59 — Mon, 01 Feb 2021 03:06:20 GMT

Congrats on the approval!