topic Re: Amex Delta Gold card arrived today in Credit Cards

Amex Delta Gold card arrived today

Repo-ed — Sat, 03 Nov 2012 21:30:00 GMT

...and the first thing that came as a shock, is they gave me my member since 06' on this card, but said they could not issue my Zync card with the same, due to the negative history I had with Amex (though it was removed completely from all 3 CRs).

I suppose I'll be SD'ing my Zync, and putting my spendinng on this card going forward until I can be approved for the Soutwest Chase Visa.

The other thing I found interesting is - I can't find my FICO score anywhere in the paperwork. Is this normal? I was quite certain that if you were not given the prime rate, then you were issued your EX score.

Either way, glad to have this card back, as the Delta Gold was the first CC I had on my own - that was eventually closed by Amex when they saw my repo hit my CRs in 08.

Re: Amex Delta Gold card arrived today

09Lexie — Sat, 03 Nov 2012 21:34:48 GMT

Good for you! I'm trying to hold out until I app for mine.

Re: Amex Delta Gold card arrived today

trumpet-205 — Sat, 03 Nov 2012 21:41:06 GMT

@Repo-ed wrote:
The other thing I found interesting is - I can't find my FICO score anywhere in the paperwork. Is this normal? I was quite certain that if you were not given the prime rate, then you were issued your EX score.

Only if the reason of not getting the best rate is due to FICO score. AMEX uses its internal credit score which uses a lot of variables (including FICO score), so it may be other areas that bring the internal score down.

Re: Amex Delta Gold card arrived today

Repo-ed — Sat, 03 Nov 2012 22:24:32 GMT

Well crap, I was REALLY hoping to see my EX score, finally!

What's does a guy got to do, to get it? App an Amex product and hope to get a flat-out denial, I suppose.

Re: Amex Delta Gold card arrived today

distantarray — Sat, 03 Nov 2012 22:28:35 GMT

@Repo-ed wrote:
Well crap, I was REALLY hoping to see my EX score, finally!

What's does a guy got to do, to get it? App an Amex product and hope to get a flat-out denial, I suppose.

I think Amex only looks at your internal score once your initial approved, I think they only really use Fico for soft hits then use the internal scores for approvals after. You didn't get a score with your Zync?

Re: Amex Delta Gold card arrived today

Repo-ed — Sat, 03 Nov 2012 22:31:00 GMT

@distantarray wrote:
@Repo-ed wrote:
Well crap, I was REALLY hoping to see my EX score, finally!

What's does a guy got to do, to get it? App an Amex product and hope to get a flat-out denial, I suppose.
I think Amex only looks at your internal score once your initial approved, I think they only really use Fico for soft hits then use the internal scores for approvals after. You didn't get a score with your Zync?

I do not recall, but I may have looked over it, when I was removing it from the envelope. I was still in a good deal of shock that I got approved w/ NPSL, when just earlier this year I couldn't even get a secured card.

Re: Amex Delta Gold card arrived today

distantarray — Sat, 03 Nov 2012 22:35:33 GMT

@Repo-ed wrote:
I do not recall, but I may have looked over it, when I was removing it from the envelope. I was still in a good deal of shock that I got approved w/ NPSL, when just earlier this year I couldn't even get a secured card.

lol let me guess bank of america?

Re: Amex Delta Gold card arrived today

Repo-ed — Sat, 03 Nov 2012 22:40:18 GMT

@distantarray wrote:
@Repo-ed wrote:
I do not recall, but I may have looked over it, when I was removing it from the envelope. I was still in a good deal of shock that I got approved w/ NPSL, when just earlier this year I couldn't even get a secured card.
lol let me guess bank of america?

Actually no. It was in February. Not sure who it was, now.

Re: Amex Delta Gold card arrived today

distantarray — Sat, 03 Nov 2012 23:12:25 GMT

@Repo-ed wrote:
@distantarray wrote:
@Repo-ed wrote:
I do not recall, but I may have looked over it, when I was removing it from the envelope. I was still in a good deal of shock that I got approved w/ NPSL, when just earlier this year I couldn't even get a secured card.
lol let me guess bank of america?
Actually no. It was in February. Not sure who it was, now.

Bank of America turned me down for a secured card last year =\ but i guess it's understandable I burned them 13 years ago LOL, but I been a customer with them through all this time -_-;

Re: Amex Delta Gold card arrived today

Repo-ed — Sat, 03 Nov 2012 23:21:14 GMT

@distantarray wrote:
@Repo-ed wrote:
@distantarray wrote:
@Repo-ed wrote:
I do not recall, but I may have looked over it, when I was removing it from the envelope. I was still in a good deal of shock that I got approved w/ NPSL, when just earlier this year I couldn't even get a secured card.
lol let me guess bank of america?
Actually no. It was in February. Not sure who it was, now.

Bank of America turned me down for a secured card last year =\ but i guess it's understandable I burned them 13 years ago LOL, but I been a customer with them through all this time -_-;

I've been with them since they were Barnett Bank, then Nations Bank, then BOA. They've declined me twice for CC. They were actually my first CC w/ 5k limit at 18, but that was because my dad co-signed for me as I was enlisting into the Army. I maxed the card out in under 6 months, then spent 7 years trying to pay it down to no avail. Finally fell behind and a 30-day showed up on my dads CR JUST as he was looking to by a new house w/ his 2nd wife. S hit the fan! I had to turn to the grandmother to bail me out, but the damage was done to his CR for 7 years as was mine, but my reports were the lease of my concern.

That was 2002 and the last time I used credit until 2006.

Re: Amex Delta Gold card arrived today

distantarray — Sat, 03 Nov 2012 23:36:11 GMT

@Repo-ed wrote:
I've been with them since they were Barnett Bank, then Nations Bank, then BOA. They've declined me twice for CC. They were actually my first CC w/ 5k limit at 18, but that was because my dad co-signed for me as I was enlisting into the Army. I maxed the card out in under 6 months, then spent 7 years trying to pay it down to no avail. Finally fell behind and a 30-day showed up on my dads CR JUST as he was looking to by a new house w/ his 2nd wife. S hit the fan! I had to turn to the grandmother to bail me out, but the damage was done to his CR for 7 years as was mine, but my reports were the lease of my concern.

That was 2002 and the last time I used credit until 2006.

OUCH -_-; this is why NO ONE SHOULD EVER BE A CO-SIGNER EVER!!!! And this is why people need to get a AUTHORIZED USER instead. If he added you as an authorized user that gives you good enough credit to get your own card, and they're not responsible for your debt. Oh what a little credit education can do =)

Re: Amex Delta Gold card arrived today

Repo-ed — Sat, 03 Nov 2012 23:41:27 GMT

@distantarray wrote:
@Repo-ed wrote:
I've been with them since they were Barnett Bank, then Nations Bank, then BOA. They've declined me twice for CC. They were actually my first CC w/ 5k limit at 18, but that was because my dad co-signed for me as I was enlisting into the Army. I maxed the card out in under 6 months, then spent 7 years trying to pay it down to no avail. Finally fell behind and a 30-day showed up on my dads CR JUST as he was looking to by a new house w/ his 2nd wife. S hit the fan! I had to turn to the grandmother to bail me out, but the damage was done to his CR for 7 years as was mine, but my reports were the lease of my concern.

That was 2002 and the last time I used credit until 2006.

OUCH -_-; this is why NO ONE SHOULD EVER BE A CO-SIGNER EVER!!!! And this is why people need to get a AUTHORIZED USER instead. If he added you as an authorized user that gives you good enough credit to get your own card, and they're not responsible for your debt. Oh what a little credit education can do =)

I agree and he's offered to co-sign a couple years after that, but I declined his offer. Never want to have that stressor in my life ,and I don't wish it on his or anyone else for that matter.

Just say no to co-signing - ANYTHING!

Re: Amex Delta Gold card arrived today

distantarray — Sat, 03 Nov 2012 23:47:43 GMT

@Repo-ed wrote:
I agree and he's offered to co-sign a couple years after that, but I declined his offer. Never want to have that stressor in my life ,and I don't wish it on his or anyone else for that matter.

Just say no to co-signing - ANYTHING!

Even though it was his fault for co-signing you, I have to admit it was mainly your fault cause if he was shopping for a house he was doing good financially, if you were getting behind you should've let him understand your situation so he could help with your minimum payments which would be 100% in his best interest no matter how you look at it. O wells nothing's really a mistake if you learn from it. Now it sucks cause he'll probably never co-sign anything ever again or even add an authorized user.

Re: Amex Delta Gold card arrived today

Repo-ed — Sat, 03 Nov 2012 23:54:41 GMT

no, he offered to co-sign again for me on a car, when I started to rebuild the first time. I declined.

Thankfully that derog fell off his reports a few years back. He was able to get a great rate/deal on a waterfront short-sale last year w/ his FICO middle-score at 805.

Re: Amex Delta Gold card arrived today

distantarray — Sat, 03 Nov 2012 23:59:27 GMT

@Repo-ed wrote:
no, he offered to co-sign again for me on a car, when I started to rebuild the first time. I declined.

Thankfully that derog fell off his reports a few years back. He was able to get a great rate/deal on a waterfront short-sale last year w/ his FICO middle-score at 805.

lol damn he must really love you, it's well past what most parents would do the first time, but second time? damn..... but if he's willing to ask him to add you to his cards as an authorized user it'll help you a lot with no bad potential side effects unless he gives you the cards lol

Re: Amex Delta Gold card arrived today

Repo-ed — Sun, 04 Nov 2012 00:16:22 GMT

@distantarray wrote:
@Repo-ed wrote:
no, he offered to co-sign again for me on a car, when I started to rebuild the first time. I declined.

Thankfully that derog fell off his reports a few years back. He was able to get a great rate/deal on a waterfront short-sale last year w/ his FICO middle-score at 805.
lol damn he must really love you, it's well past what most parents would do the first time, but second time? damn..... but if he's willing to ask him to add you to his cards as an authorized user it'll help you a lot with no bad potential side effects unless he gives you the cards lol

I am an only child

But as a grown-up adult now, I have to rely on myself.

Re: Amex Delta Gold card arrived today

Anonymous — Sun, 04 Nov 2012 02:31:43 GMT

Congrats

Re: Amex Delta Gold card arrived today

distantarray — Sun, 04 Nov 2012 03:50:41 GMT

@Repo-ed wrote:
I am an only child

But as a grown-up adult now, I have to rely on myself.

Pride is good, but personally I rather get credit help which costs the family nothing, and spend the money I save on my family, instead of lining credit card companies pockets =)

Get added as an authorized user, reap better scores, get better rates, save more money and spend it on family = win for me.

Re: Amex Delta Gold card arrived today

Repo-ed — Sun, 04 Nov 2012 13:49:08 GMT

i pif every month and have 0 debt. nothing to be gained at this point. but for others, yes, it would be a great route to take.