topic Re: Delta Platinum Amex Approval in Credit Card Approvals

Delta Platinum Amex Approval

hairluver — Sat, 06 Nov 2021 17:25:24 GMT

Hi guys,

Just got my approval. $5k Starting limit.

SUB 90k miles

Here are some data points ( this is based off of what they pulled and not where I stand currently as my new info hasn't reported yet.)

Current fico 703

Utilization 73%

Not sure of APR ( I had to call in for the service member question and she just gave me the congratulation speech and SL)

Income $71k

Just recived a cli on my Hilton card last week.

0 inquires in last 12 months

3 inquiries in last 24 months

AAoA 8 yrs 4 months

This bonus was too good to pass up especially with the holidays coming up it will be easy to meet minimum spend.

Super stoked!

Re: Delta Platinum Amex Approval

collics — Sat, 06 Nov 2021 17:44:31 GMT

Congratulations on your Amex approval!

Re: Delta Platinum Amex Approval

Anonymous — Sat, 06 Nov 2021 17:46:25 GMT

Congrats!!!

Is that Util % accurate?

Re: Delta Platinum Amex Approval

hairluver — Sat, 06 Nov 2021 17:51:06 GMT

lol unfortunately it is. Trust me I was shocked. When my next statements cut it's down tremendously as I just paid off several cards, but none of them report until the 15th.

I also have 0 baddies at all so that maybe what helped me.

Re: Delta Platinum Amex Approval

KingRue8500 — Sat, 06 Nov 2021 20:15:18 GMT

Congrats on your AMEX Delta SkyMiles Platinum approval

Re: Delta Platinum Amex Approval

cashorcharge — Sat, 06 Nov 2021 21:01:55 GMT

That’s terrific! Congratulations on your AMEX approval!! 👏🏼🎉🍾

Re: Delta Platinum Amex Approval

Trini88 — Sat, 06 Nov 2021 21:13:37 GMT

Congrats on your SP Amex approval!!!

Re: Delta Platinum Amex Approval

mrcraft — Sat, 06 Nov 2021 21:38:46 GMT

Congratulations on your approval!!

Re: Delta Platinum Amex Approval

CardHunter — Sat, 06 Nov 2021 21:51:47 GMT

@hairluver wrote:
Hi guys,

Just got my approval. $5k Starting limit.

SUB 90k miles

Here are some data points ( this is based off of what they pulled and not where I stand currently as my new info hasn't reported yet.)

SP
Current fico 703
Utilization 73%
Not sure of APR ( I had to call in for the service member question and she just gave me the congratulation speech and SL)
Income $71k
Just recived a cli on my Hilton card last week.
0 inquires in last 12 months
3 inquiries in last 24 months
AAoA 8 yrs 4 months

This bonus was too good to pass up especially with the holidays coming up it will be easy to meet minimum spend.
Super stoked!

Congrats on your approval!

Re: Delta Platinum Amex Approval

CreditAggie — Sat, 06 Nov 2021 23:56:50 GMT

Congratulations on your Delta Platinum Amex approval!

Re: Delta Platinum Amex Approval

Sub16610 — Sun, 07 Nov 2021 01:53:44 GMT

Congrats on your Delta Platinum Amex Approval!

Re: Delta Platinum Amex Approval

NRB525 — Sun, 07 Nov 2021 02:03:24 GMT

Congrats on the Delta Platinum approval, that's a nice basic card for Delta perks. Nice SL too.

Re: Delta Platinum Amex Approval

Total80sKid — Sun, 07 Nov 2021 04:02:27 GMT

Congrats on your Platinum approval 👍🏼

Re: Delta Platinum Amex Approval

Rebuild2019 — Sun, 07 Nov 2021 06:25:47 GMT

Congratulations 🎉🎈🎊 on your AMEX approval

Re: Delta Platinum Amex Approval

Anonymous — Sun, 07 Nov 2021 07:56:33 GMT

Congrats for your new card!

Re: Delta Platinum Amex Approval

gdale6 — Sun, 07 Nov 2021 14:51:01 GMT

Grats on your Delta approval!!

Re: Delta Platinum Amex Approval

practical1 — Sun, 07 Nov 2021 17:08:56 GMT

Fantastic! Congrats! You accomplished a terrific SL.

Keep your eye on util, FICO 8 EX and the calendar. If you can get yourself up another 20 - 40 points and util down significantly, you might have a good shot at a CLI at 61 days.

Don't push it -- wait until you're in the best possible shape; 3 X might be an attainable goal -- and if reached, would provide a buffer to keep future total util down and scores up!

Re: Delta Platinum Amex Approval

Rex95 — Mon, 08 Nov 2021 02:25:05 GMT

@hairluver I was in the same situation as you (had the same overall utilization as you that was paid off, but had not reported yet) and was approved for the gold charge card last week. My DTI, however, is extremely low and I think that really helped me. If that's your situation too, it probably helped. I do have baddies on my report (5 lates that are 6 years old). If I lived in a Delta hub city, I'd have that card.

Re: Delta Platinum Amex Approval

CreditMagic7 — Mon, 08 Nov 2021 02:59:28 GMT

Congratulations on your Amex approval!

Re: Delta Platinum Amex Approval

hairluver — Mon, 08 Nov 2021 03:00:08 GMT

@Rex95 wrote:
@hairluver I was in the same situation as you (had the same overall utilization as you that was paid off, but had not reported yet) and was approved for the gold charge card last week. My DTI, however, is extremely low and I think that really helped me. If that's your situation too, it probably helped. I do have baddies on my report (5 lates that are 6 years old). If I lived in a Delta hub city, I'd have that card.

I think you maybe on to something. Besides cc's, I don't have much debt. I live with family so no mortgage debt, and I have my car loan still reporting ( although it is now paid off), no student loans etc.....

I can't wait to use it. Buying my kids Christmas presents will help. making sure I reach minimum spend should be pretty easy.