topic Re: Time for Amex Delta Gold? in Credit Card Applications

Time for Amex Delta Gold?

Anonymous — Sun, 25 Mar 2018 15:50:56 GMT

646Fair

Score 8 based on Equifax data as of 03/17/2018

644Fair

Score 8 based on TransUnion data as of 03/16/2018

646Fa

Score 8 based on Experian data as of 03/17/2018

I have Discover IT 2k(zero balance, Credit One $450(zero balance), and lastly Capital One $300 ($100 balance which ill pay off before the next cycle)

Would now be an ok time to apply for an Amex Delta Gold? I travel a lot and would love the extra points. I am preapproved but I am afraid to get an HP.

Thanks!

Re: Time for Amex Delta Gold?

egghead88 — Sun, 25 Mar 2018 16:20:03 GMT

Based on what you described, go for it!! Unless their is something standing out in your credit profile, be ready for a 1000CL.

Also, look at canning your CreditOne if possible. Its likely costing you more than it’s worth

Good Luck!

Re: Time for Amex Delta Gold?

Anonymous — Sun, 25 Mar 2018 16:28:07 GMT

Nonsense! After 10 months I have accumulated almost $4 in rewards! Don't want to miss out!

Re: Time for Amex Delta Gold?

Anonymous — Sun, 25 Mar 2018 18:06:29 GMT

I was approved for the Amex ED with a $500 SL 6 months ago with similar scores. If you're preapproved, go for it. You will likely get a $500 or $1000 limit but with time it will grow and it will be great to get in with Amex. I was just approved for two more Amex cards, the Delta Blue and BCE, both at $1000 SL and my score according to them is 659. So I think you'd safely get in. Go for it!

Keep in mind, with lower scores you may not qualify for the sign up bonus. But regardless, still nice to get in with them. I'm not sure yet if my Delta Blue card qualified for the sign up bonus, I guess I'll find out when the card arrives.

Re: Time for Amex Delta Gold?

Anonymous — Mon, 26 Mar 2018 17:46:44 GMT

@Anonymouswrote:
646Fair
Score 8 based on Equifax data as of 03/17/2018
644Fair
Score 8 based on TransUnion data as of 03/16/2018
646Fa
Score 8 based on Experian data as of 03/17/2018

I have Discover IT 2k(zero balance, Credit One $450(zero balance), and lastly Capital One $300 ($100 balance which ill pay off before the next cycle)

Would now be an ok time to apply for an Amex Delta Gold? I travel a lot and would love the extra points. I am preapproved but I am afraid to get an HP.

Thanks!

LOL, I thought if denied its only an SP, if Approved its an HP? I don't know if that only applies to current Amex members.

Re: Time for Amex Delta Gold?

drboxing — Mon, 26 Mar 2018 20:01:55 GMT

my scores were the same as yours was approved for the Amex Delta Gold $1000 SL

Re: Time for Amex Delta Gold?

sdsoccerdad — Tue, 27 Mar 2018 00:51:49 GMT

I would wait. I was like you when I got mine and am still stuck with a $1000 CL. Between this, my Hilton and SPG, I have only received an increase with the SPG.

Re: Time for Amex Delta Gold?

Anonymous — Tue, 27 Mar 2018 01:33:35 GMT

If you are an existing member, and see the "congrats you are pre-approved message" it might be a SP even if approved.

Re: Time for Amex Delta Gold?

Meanmchine — Tue, 27 Mar 2018 01:44:41 GMT

If you were to pull the trigger, chances are you'd get approved for $1000.

$1000 is a "starter" level for Amex and people with this SL have had problems getting CLI down the road. If I were you, Id wait til your EX was 675+ so you'd get a $1500+ SL and have no future problems

Re: Time for Amex Delta Gold?

sdsoccerdad — Tue, 27 Mar 2018 03:45:18 GMT

Is that true about sp if pre approved? I’ve seen a few of those when checking different cards but have been reluctant to apply in fear of getting another low starting credit linebacker.

Re: Time for Amex Delta Gold?

Anonymous — Tue, 27 Mar 2018 03:54:45 GMT

@sdsoccerdadwrote:
Is that true about sp if pre approved? I’ve seen a few of those when checking different cards but have been reluctant to apply in fear of getting another low starting credit linebacker.

If you're already an Amex cardholder and see that you're preapproved for another card and apply for it, it's a SP. Both my recent approvals were SP. I'm not sure if that's the case if you applied for a card you're not preapproved for.

However, if you're not a cardholder with Amex yet then of course any application would result in HP.

Re: Time for Amex Delta Gold?

sdsoccerdad — Tue, 27 Mar 2018 03:58:57 GMT

I just checked my accounts. You’re right. I don’t see any hard inquiries for my Hilton or SPG. Good to know. I have been eyeing another Amex but haven’t decided which one would benefit me at this moment.

Re: Time for Amex Delta Gold?

Anonymous — Fri, 30 Mar 2018 23:26:18 GMT

Does utilization % matter? I'm currently at $0 owed.Should I have something owed before I apply for Amex this coming month when my (Discover) CLI hits the reports?