topic Re: Amex Charge Vs. Delta Sky Miles in Credit Cards

Amex Charge Vs. Delta Sky Miles

Tommy5746 — Tue, 23 Oct 2012 01:02:26 GMT

Which do you think is harder to get? An Amex charge card or the Delta gold sky miles card?? I hear the sky miles isnt that difficult but do you guys think that its easier or harder to get vs an amex charge?

Re: Amex Charge Vs. Delta Sky Miles

afbar1114 — Tue, 23 Oct 2012 01:05:39 GMT

amex charge they gave me two and still wont give me a credit/revlovler card

Re: Amex Charge Vs. Delta Sky Miles

armbenderc — Tue, 23 Oct 2012 01:14:15 GMT

I have to agree with afbar1114, I was denied for BCE last month and got Amex Green this month.

However, last month util was way higher, compare to this month of 26%.

Re: Amex Charge Vs. Delta Sky Miles

trumpet-205 — Tue, 23 Oct 2012 01:17:08 GMT

Charge is slightly easier to get than Delta and any other AMEX co-branded card.

Re: Amex Charge Vs. Delta Sky Miles

RonDawg — Tue, 23 Oct 2012 01:19:44 GMT

@Tommy5746 wrote:
Which do you think is harder to get? An Amex charge card or the Delta gold sky miles card?? I hear the sky miles isnt that difficult but do you guys think that its easier or harder to get vs an amex charge?

Here is a good example... When I applied for my BCE card it took 3 days to approve me however when I applied for PR Gold charge card I was approved in 10 seconds and 30 minutes later I got an email telling me they were rushing out my card. I got it FedEx the next day.

Re: Amex Charge Vs. Delta Sky Miles

Duncanrr — Tue, 23 Oct 2012 01:26:56 GMT

Thats why you app for charge first then delta. Get your footin the door and establish a relationship with them. If you don't get cc then app again in 6 months or 1 year.

Re: Amex Charge Vs. Delta Sky Miles

youngandcreditwrthy — Tue, 23 Oct 2012 01:27:27 GMT

Seems like revolvers are harder to get... I don't like charge cards personally lol I got the Amex BCE with a 696 TU Fico and 688 EQ Fico earlier this month. I'd say if you want the revolver, just make sure you have 680+

Re: Amex Charge Vs. Delta Sky Miles

Duncanrr — Tue, 23 Oct 2012 01:30:56 GMT

+1 I agree on the 680 score. That is a magic number for them. TU score served as my basis for Amex delta and they reported it as 702.

Re: Amex Charge Vs. Delta Sky Miles

Revelate — Tue, 23 Oct 2012 03:57:01 GMT

Delta card isn't 680 . That's BCE/BCP territory these days and those ain't Delta. Hasn't been in the past either if my old pre-approval during the middle of the mortgage meltdown was any indication.

I would agree that a charge card is easier, but the Delta isn't that much harder... 660ish with at least one clean year on a single revolving tradeline, maybe 650 at an absolute floor on the Delta for FICO, though that's not the only underwriting hurdle especially with Amex. Afbar, your case was exceptional .

Re: Amex Charge Vs. Delta Sky Miles

Duncanrr — Tue, 23 Oct 2012 04:00:46 GMT

Well, I have a mess still on my CR's. They pulled a 702 on TU and that was just barely getting approved (they actually pulled all 3 CR's). Granted I had 90 day late from last year (its off my report now but it was on there at time of app), 90 day late from 5 years ago (same account), different account with 2x30 day lates, paid CO from 2009 and mess Cap1 Auto (last late March 2012).

So you can get approved with messed up background if your income and scores are high enough

Re: Amex Charge Vs. Delta Sky Miles

Anonymous — Tue, 23 Oct 2012 04:27:52 GMT

@Tommy5746 wrote:
Which do you think is harder to get? An Amex charge card or the Delta gold sky miles card?? I hear the sky miles isnt that difficult but do you guys think that its easier or harder to get vs an amex charge?

I think the more relevant question might be: Who in the world wants miles on Delta?

Quite possibly the worst airline in the world

Re: Amex Charge Vs. Delta Sky Miles

TNTransplant — Tue, 23 Oct 2012 04:54:23 GMT

@Anonymous wrote:
@Tommy5746 wrote:
Which do you think is harder to get? An Amex charge card or the Delta gold sky miles card?? I hear the sky miles isnt that difficult but do you guys think that its easier or harder to get vs an amex charge?
I think the more relevant question might be: Who in the world wants miles on Delta?

Quite possibly the worst airline in the world

Ha! This is true. In my (admittedly) limited world of travel, Delta has been by far the worst experience. Flying through the Atlanta hub was a nightmare filled with delays, the planes were old/loud/cramped, and the staff was very rude. Never again!

Re: Amex Charge Vs. Delta Sky Miles

CreditScholar — Tue, 23 Oct 2012 09:23:33 GMT

@TNTransplant wrote:
@Anonymous wrote:
@Tommy5746 wrote:
Which do you think is harder to get? An Amex charge card or the Delta gold sky miles card?? I hear the sky miles isnt that difficult but do you guys think that its easier or harder to get vs an amex charge?
I think the more relevant question might be: Who in the world wants miles on Delta?

Quite possibly the worst airline in the world

Ha! This is true. In my (admittedly) limited world of travel, Delta has been by far the worst experience. Flying through the Atlanta hub was a nightmare filled with delays, the planes were old/loud/cramped, and the staff was very rude. Never again!

There is a lot of speculation recently that Delta will be moving to a revenue-based mileage program in 2013. If they do, that'll kill the majority of the value that is left. I'd proceed with caution on this one.

Re: Amex Charge Vs. Delta Sky Miles

Anonymous — Sun, 04 Nov 2012 05:14:27 GMT

To answer the OP, I think Amex charge cards are definitely easier to get. That said, the Delta card is one of the easier revolvers to get from Amex. I applied for a charge card and then the Delta right after with one year of history and was approved for both. If you have clean reports, and a 720+ credit score, you should be good. As always, YMMV.

Re: Amex Charge Vs. Delta Sky Miles

distantarray — Sun, 04 Nov 2012 05:20:46 GMT

@RonDawg wrote:
@Tommy5746 wrote:
Which do you think is harder to get? An Amex charge card or the Delta gold sky miles card?? I hear the sky miles isnt that difficult but do you guys think that its easier or harder to get vs an amex charge?
Here is a good example... When I applied for my BCE card it took 3 days to approve me however when I applied for PR Gold charge card I was approved in 10 seconds and 30 minutes later I got an email telling me they were rushing out my card. I got it FedEx the next day.

well they can afford to next day you after the 175 annual fee

and to answer OP yes Charge is much easier cause they're supposed to be paid in full faster. Also they set an internal limit even for NSPL so there is a limit especially for new accounts. Of course they're not gonna let a Amex anything besides Black buy a decent sized private island on it.

Easiest card to get is Delta Skymiles but undoubtly the worst card in Amex, impossible to redeem awards for more than 1.1 cent value. but it is the easiest to get, and then you can product change it to a BCE/BCP so yea. DO IT! also if you go through Delta skymiles you can turn the miles bonus into 1 penny a mile so collecting the sign up bonus adds up more than going with BCP so that'snice.

Re: Amex Charge Vs. Delta Sky Miles

Walt_K — Sun, 04 Nov 2012 11:06:22 GMT

How do you figure it is impossible to redeem for more than 1.1 cent per mile? Delta has issues but there are plenty of decent redemption opportunities. It's one of the best programs for premium tickets to Australia.

Re: Amex Charge Vs. Delta Sky Miles

Repo-ed — Sun, 04 Nov 2012 13:40:34 GMT

i was instantly approved for zync npsl a few months back and appd delta gold last week, but really thought i would be declined due to repo. was instantly approved with $2800 cl. the miles/point conversion suck, but until i can get a southwest chase visa, it will have to do.

Re: Amex Charge Vs. Delta Sky Miles

jsucool76 — Sun, 04 Nov 2012 13:43:34 GMT

#SlightZombieThread!

Charge cards are def easier, but I've heard of some pretty borderline applications getting approved for delta. Seems to be their lowest end revolver.