topic Re: Amex Delta in Credit Cards

Amex Delta ( Updated )

nicholasyud — Sat, 17 Nov 2012 18:02:43 GMT

I think apply for Amex Delta . Does anyone had succesful approved with 662 Fico score ??

Everything on my signature and i finally got the last collection removed from my report.

Had 2 charge off show in March 2008 DOFD. Never paid.......
I lived in Florida and wonder what CRA they pulls also ??????

Any had succesful approved with those score ???? Please share your experience.........

APPROVED FOR 1000 FICO SCORE 675 on Nov 14

Re: Amex Delta

youngandcreditwrthy — Fri, 02 Nov 2012 01:57:31 GMT

That seems 20-30 pts lower than what they'd approve, but I think Delta is an easier one to get. You should try it if you can afford the inquiry!!

Re: Amex Delta

Anonymous — Fri, 02 Nov 2012 02:01:03 GMT

I just got approved tonight with bk reporting from 2005......kind of dispelllsthe theory ofvamex not being bk friendly........if you can afford the HP...try it

Re: Amex Delta

distantarray — Fri, 02 Nov 2012 02:05:21 GMT

@Anonymous wrote:
I just got approved tonight with bk reporting from 2005......kind of dispelllsthe theory ofvamex not being bk friendly........if you can afford the HP...try it

Amex isn't FRESH Bankruptcy friendly, but after 5+ years you can get in sometimes. Also it's time for the holidays anyways my dad got in with a 666 Amex Fico score. $1,000 limit though, gotta warn you it's a easier revolver to get but hardest rewards to redeem. They state like 12,000 miles to go to Asia, good luck with that. You get 30,000+ miles so we were like DAMN this is AWESOME! but we can't even book trips 1 year in advanced for those rates, the points are only worth 1.1 cent a piece and you'll be lucky if you get ANYTHING to redeem at the advertised miles cost of travel. You usually have to pay 2-3 times that.

Get in get the bonus, enjoy it for a few months and PC it to a BCE/BCP one of the hardest revolvers to get lol

Re: Amex Delta

youngandcreditwrthy — Fri, 02 Nov 2012 02:12:04 GMT

I got a BCE with a 696 Fico on TU.

Re: Amex Delta

distantarray — Fri, 02 Nov 2012 02:19:08 GMT

generally BCP requires 720+ but things can change the internal score like current client history etc, and BCE might be easier to get into because less rewards, but regardless Delta Skymiles is MUCH easier to get and PC gateway is there so this makes it worthwhile with the higher bonus.

@youngandcreditwrthy wrote:
I got a BCE with a 696 Fico on TU.

Re: Amex Delta

nicholasyud — Fri, 02 Nov 2012 02:19:55 GMT

i really want to get the revolve CC with them . I dont really want the charge card ......Hmmmmm dont know if anyone sucess with Delta at mid 600'.......

The number one reason i want to get in relationship with them bcause they had credit limit after 61days....

Re: Amex Delta

distantarray — Fri, 02 Nov 2012 02:21:54 GMT

@nicholasyud wrote:
i really want to get the revolve CC with them . I dont really want the charge card ......Hmmmmm dont know if anyone sucess with Delta at mid 600'.......
The number one reason i want to get in relationship with them bcause they had credit limit after 61days....

btw I saw your signiture that you had baddies from Midland have you ever sent them a DV? they usually fold faster than Consuela ...

Re: Amex Delta

nicholasyud — Fri, 02 Nov 2012 02:27:03 GMT

@distantarray wrote:
btw I saw your signiture that you had baddies from Midland have you ever sent them a DV? they usually fold faster than Consuela ...

thank you distance i already got them remove from my credit report but didnt see my points go up whatsoever..........

Re: Amex Delta

distantarray — Fri, 02 Nov 2012 02:32:43 GMT

so no more baddies ? and your scores didn't go up? that's really weird when I got my last two collections removed my scores went up 100+ points lmao

Re: Amex Delta

nicholasyud — Fri, 02 Nov 2012 02:38:17 GMT

@distantarray wrote:
so no more baddies ? and your scores didn't go up? that's really weird when I got my last two collections removed my scores went up 100+ points lmao

as of in my signature there is still 2 charge off account in 2008 that show $0 balance and never paid..............maybe thats the reason holding my score backk............

Re: Amex Delta

Anonymous — Fri, 02 Nov 2012 02:42:26 GMT

@nicholasyud wrote:
I think apply for Amex Delta . Does anyone had succesful approved with 662 Fico score ??

Everything on my signature and i finally got the last collection removed from my report.
Had 2 charge off show in March 2008 DOFD. Never paid.......
I lived in Florida and wonder what CRA they pulls also ??????
Any had succesful approved with those score ???? Please share your experience.........

From what you said I would try for the Green Charge card and then if you get that you could try for the Delta. Even though you don’t want one it's a good starting point with them and if they turn you down for the Delta you can use the green card and show them your a good card member. The charge cards have lower underwriting. 662 is a little low for a credit card from them. With two charge offs I would try the charge card first.

Re: Amex Delta

distantarray — Fri, 02 Nov 2012 02:41:39 GMT

@nicholasyud wrote:
as of in my signature there is still 2 charge off account in 2008 that show $0 balance and never paid..............maybe thats the reason holding my score backk............

If they report a $0 balance that means the account was sold off, and Midland is NOT an original creditor, they can NOT sell off a debt and still retain the information on the credit reports.

I would file disputes with the CFPB consumer finance protection bureau. it's a new program and tool that came out for the public to use to fight credit reporting problems. They don't deal with collections agencies, but they can give a good solid slap to Equifax Experian and Transunion and the original creditors.

Re: Amex Delta

nicholasyud — Fri, 02 Nov 2012 02:44:05 GMT

@Anonymous wrote:
From what you said I would try for the Green Charge card and then if you get that you could try for the Delta. Even tho you dont want one it's a good starting point with them and if they turn you down for the Delta you can use the green card and show them your a good cardmember. The charge cards have lower undwerwriting. 662 is a little low for a credit card from them.

i had think about it too but really im in my rebuilding mode and really dont want to apps for so many apps.........maybe 2 or 3 gonna be good for me...........

Maybe later in another time but i really want to build relationship with them thou.........The charge cards had some minium speding or its NSPL something ???

Re: Amex Delta

Anonymous — Fri, 02 Nov 2012 02:45:22 GMT

@nicholasyud wrote:
@Anonymous wrote:
From what you said I would try for the Green Charge card and then if you get that you could try for the Delta. Even tho you dont want one it's a good starting point with them and if they turn you down for the Delta you can use the green card and show them your a good cardmember. The charge cards have lower undwerwriting. 662 is a little low for a credit card from them.
i had think about it too but really im in my rebuilding mode and really dont want to apps for so many apps.........maybe 2 or 3 gonna be good for me...........
Maybe later in another time but i really want to build relationship with them thou.........The charge cards had some minium speding or its NSPL something ???

The charge cards have NPSL and if your approved for the green card you can apply for the Delta right away and not get a 2nd HP. They can both be done with one HP.

Re: Amex Delta

distantarray — Fri, 02 Nov 2012 02:45:40 GMT

charge cards are NSPL but usually has a hidden limit in there just flexible

Re: Amex Delta

youngandcreditwrthy — Fri, 02 Nov 2012 14:52:55 GMT

Eh. I' d just app for what you want. I hate the idea of wasting an app for a card you don't want. Buuuuut your approval seems more likely with a charge card...or... You could wait til you get to 680 then app for Delta. But there was an op that said their dad got a delta amex with a 666 score, right?!
Just do it!!

Re: Amex Delta

nicholasyud — Fri, 02 Nov 2012 15:04:38 GMT

I guess I should play safe........hmmmmmmm.........don't know. Maybe I'm go crazy about it.........hmmmm depend on my feeling ......we"ll see lol......wish me luck if I doooooooo

Re: Amex Delta

Repo-ed — Fri, 02 Nov 2012 15:07:58 GMT

I just app'd and was instantly approved for the Delta Skymiles Gold with a TU of nearly 700 and an EQ of 659 (will find out what my EX is once the card arrives)

I was approved for the Zync w/ NPSL with FICOs in the 650s

Re: Amex Delta

Anonymous — Fri, 02 Nov 2012 15:20:53 GMT

@Repo-ed wrote:
I just app'd and was instantly approved for the Delta Skymiles Gold with a TU of nearly 700 and an EQ of 659 (will find out what my EX is once the card arrives)

I was approved for the Zync w/ NPSL with FICOs in the 650s

congrats on approval..