topic Re: AMEX Delta - to apply or not apply? in Credit Cards

AMEX Delta - to apply or not apply?

rs02 — Sun, 27 Aug 2017 15:26:51 GMT

Hello all,

I'm looking for guidance. I've recently been pre-qualified for AMEX Delta Gold card through their website. I'm not sure if the website is legit with the pre-qualified offers. My FICO8 scores are EX644, TU632, EX 622. I have several credit cards Capital One Journey $2200, Home Depot $6400, Discover $2500. My utilization is at 46% so should I pay it down and then apply for the credit card?

AMEX Delta Gold - To apply or not apply?

rs02 — Sun, 27 Aug 2017 07:09:02 GMT

Hello all,

I'm looking for guidance. I've recently been pre-qualified for AMEX Delta Gold card. I'm not sure if the website is legit with the pre-qualified offers. My scored are EX644, TU632, EX 622. I have several credit cards Capital One Journey $2200, Home Depot $6400, Discover $2500. My utilization is at 46% so should I pay it down and then apply for the credit card?

Re: AMEX Delta Gold - To apply or not apply?

jsk0307 — Sun, 27 Aug 2017 13:30:44 GMT

Is it prequalified on the amex site, or some third party like credit karma? I've heard that the amex site has a good chance (90%) if you PQ there. Hopefully those more knowledgeable will chime in.

But, I too have been considering amex and looked at the delta card. Seems to get mixed reviews. If you fly delta frequently and can maximize the rewards then it might be worth it. But if not, it might be better holding off. I've read that the amex blue cards are good cash back options but I believe they look for a TU score of 690 or higher before it shows up as a PQ option.

Re: AMEX Delta Gold - To apply or not apply?

Anonymous — Sun, 27 Aug 2017 14:22:19 GMT

This post really belongs in the credit card section and not the rebuild section.

Re: AMEX Delta Gold - To apply or not apply?

rs02 — Sun, 27 Aug 2017 15:19:38 GMT

Thank you, I'll repost to that section!

Re: AMEX Delta Gold - To apply or not apply?

rs02 — Sun, 27 Aug 2017 15:20:34 GMT

Thanks for your insight. It's on the AMEX website. I am going to repost my question in the credit cards section.

Re: AMEX Delta - to apply or not apply?

Appleman — Sun, 27 Aug 2017 15:30:26 GMT

My guess is that you would be approved but your starting credit line will likely be low.

Getting utilization on all cards below 30% would be helpful in increasing your scores. So yes, if you have the means pay down your balances and give them time to report.

Is the Delta card useful to you? I went after the points but it sits in the proverbial sock drawer currently.

Re: AMEX Delta - to apply or not apply?

rs02 — Sun, 27 Aug 2017 15:40:11 GMT

Thank you. I'm going to pay my cards down and apply in September when I'm lower than 20%

Re: AMEX Delta - to apply or not apply?

Anonymous — Sun, 27 Aug 2017 15:40:19 GMT

@Appleman wrote:
My guess is that you would be approved but your starting credit line will likely be low.
Getting utilization on all cards below 30% would be helpful in increasing your scores. So yes, if you have the means pay down your balances and give them time to report.

Is the Delta card useful to you? I went after the points but it sits in the proverbial sock drawer currently.

@rs02

Ive merged your two threads into one here. Please do not cross post in different forums as this is confusing to posters trying to assist you and is against forum rules. If you need to move a post, please use the drop down menu in your post to 'report inappropriate content' and a Moderator will move your post for you to the appropriate forum. Thank you for your understanding and cooperation

Re: AMEX Delta - to apply or not apply?

rs02 — Sun, 27 Aug 2017 15:44:51 GMT

Ok so is my post now in the credit card section? Thank you for your assistance.

Re: AMEX Delta - to apply or not apply?

AverageJoesCredit — Sun, 27 Aug 2017 16:13:50 GMT

Good idea to lower utilization. Always nice to look your best for Amex, lol Good luck

Re: AMEX Delta - to apply or not apply?

drboxing — Tue, 29 Aug 2017 12:31:04 GMT

I applied for Amex Green charge card and was denied. Few weeks later applied for the Amex Delta Goldand was approved for $1000SL

Re: AMEX Delta - to apply or not apply?

Anonymous — Tue, 29 Aug 2017 12:45:07 GMT

Good luck! I'm debating this one because i have a mailer offer for 60k miles for 1k spend and I like stockpiling Delta miles for my yearly trip to South Korea via Korean Air and this offer covers 1/3 of the award cost.

Re: AMEX Delta - to apply or not apply?

Anonymous — Tue, 29 Aug 2017 14:15:48 GMT

@Anonymous wrote:
Good luck! I'm debating this one because i have a mailer offer for 60k miles for 1k spend and I like stockpiling Delta miles for my yearly trip to South Korea via Korean Air and this offer covers 1/3 of the award cost.

If you can use the miles, i would go for it! Specially since it is only $1k spend (easy).

OP - If you fly Delta, this is a good card to have. My wife always flies Delta and actually received her Platinum Delta card in the mail yesterday; she got a mail offer to upgrade with bonus miles. I would wait to apply until November to make sure your balances and low UTL reports across all CRAs.

Re: AMEX Delta - to apply or not apply?

Anonymous — Fri, 08 Sep 2017 11:18:41 GMT

I too was pre-qualified for the Delta Gold on the Amex site. I noticed it while I was researching the new Blue Delta card. I applied and was denied -- and for some reason AmEx thinks I have been a customer of theirs for over 30 years, so I was a bit miffed. I called in and was told to re-apply, which I was weary of, and so now that's just sitting in Pending status.

All of AmEx has been buggy lately.

Re: AMEX Delta - to apply or not apply?

drboxing — Fri, 08 Sep 2017 11:22:40 GMT

Keep us posted on your status

Re: AMEX Delta - to apply or not apply?

Anonymous — Fri, 08 Sep 2017 13:41:05 GMT

Denied. Grr. I'm going to go for a recon.

Re: AMEX Delta - to apply or not apply?

Anonymous — Mon, 06 Nov 2017 17:11:15 GMT

@Anonymous wrote:
Denied. Grr. I'm going to go for a recon.

How did it go?

Re: AMEX Delta - to apply or not apply?

UncleB — Tue, 07 Nov 2017 09:42:29 GMT

This thread is locked and closed to new messages.

@rs02's new thread can can be found here: http://ficoforums.myfico.com/t5/Credit-Card-Approvals/AMEX-Delta-to-apply-or-not-apply-UPDATE-approved/m-p/5087398