topic Re: Gold Delta SkyMiles AMEX in Credit Cards

Gold Delta SkyMiles AMEX

WJL — Wed, 02 Feb 2011 12:00:55 GMT

Hello team, I wanted to ask those who were approved for this card what type of credit score/standing you were in? If this card is difficult to get, would it be better to apply for another AMEX card and ask them for a product change? I would like to obtain this card to start building miles and also have an AMEX under my belt. I've also been getting a lot of pre-selected letters from AMEX in the mail. Thanks!

Re: Gold Delta SkyMiles AMEX

Gibran — Wed, 02 Feb 2011 12:20:02 GMT

Not sure what the criteria for this card is, I app'd for it after I had gotten my Zync card and was approved, my util was around 11% at the time, not sure what my EX score was, I had 11 inq's on my EX report. Just remember that if you go for another Amex card first, you can only pc from charge to charge, and revolving to revolving.

Re: Gold Delta SkyMiles AMEX

WJL — Wed, 02 Feb 2011 12:24:51 GMT

Ah, thank you for pointing that out and your reply!

Re: Gold Delta SkyMiles AMEX

cdtotten — Wed, 02 Feb 2011 14:22:16 GMT

It is not a very hard card to get approved for, compared to other AMEX cards. The high annual fee on it pushes most people away form it, and if you do take the card they will push you to upgrade to platinum quickly (for a higher annual fee). If you fly Delta, atleast 4 times, then it's not a bad card to get. Other than that, it's just ok.

Re: Gold Delta SkyMiles AMEX

Gibran — Wed, 02 Feb 2011 14:52:44 GMT

I agree with cdtotten, the only reason I got the card was because I was already skymiles member, Delta is one of the main airlines that I fly other than Airtran, as much as I fly, it's worther the AF, thought about to switching to Plat. but so far have refrained from pulling the trigger

Re: Gold Delta SkyMiles AMEX

avv7c0 — Wed, 02 Feb 2011 15:29:35 GMT

@cdtotten wrote:
It is not a very hard card to get approved for, compared to other AMEX cards. The high annual fee on it pushes most people away form it, and if you do take the card they will push you to upgrade to platinum quickly (for a higher annual fee). If you fly Delta, atleast 4 times, then it's not a bad card to get. Other than that, it's just ok.

+1 on this for me also. I got mine several years ago without any trouble when my credit was less than perfect (~660ish). Prior to that, I only had one Discover card with $1000 CL, so it didn't seem like they cared TOO much about my history. I know that was pre-credit crunch, so the game may have changed a bit, but as was explained, I think the high AF makes this card more accessible. Honestly, I'd dump mine if it didn't currently hold my highest CL ($10k, down from $14k during their cutbacks of '09). I just don't fly Delta as much as I used to, so the annual fee is hard to justify, unless you use the Delta perks a lot (free checked bag, double miles, crown room access, etc), or use it as your primary card to really rack up the miles.

Re: Gold Delta SkyMiles AMEX

Anonymous — Wed, 02 Feb 2011 15:39:33 GMT

Easy to get in my view. I was new to credit and applied for it when I had one other credit card with a $1k limit for one year. I remember it was an instant approval with a $4k starting limit.

Get the card, enjoy the one year without annual fee, and then product change to something without it. That's what I did. I changed to the Blue Cash and haven't paid an annual fee to them. In hindsight, this was a great way of getting intothe family of Amex credit products.

Re: Gold Delta SkyMiles AMEX

avv7c0 — Wed, 02 Feb 2011 15:44:37 GMT

@Anonymous wrote:
Easy to get in my view. I was new to credit and applied for it when I had one other credit card with a $1k limit for one year. I remember it was an instant approval with a $4k starting limit.

Get the card, enjoy the one year without annual fee, and then product change to something without it. That's what I did. I changed to the Blue Cash and haven't paid an annual fee to them. In hindsight, this was a great way of getting intothe family of Amex credit products.

I don't want to hijack the thread, but should I consider the product change option as well? I didn't want to hurt my AAoA by cancelling the card, and back when I was considering upgrading to Platinum, I thought I read somewhere that if I did that, the old card would show as closed, and the new card would have no age, so I kept the Gold. I'd love to get rid of the Annual Fee, but keep my AMEX membership.

Re: Gold Delta SkyMiles AMEX

Red1Blue — Wed, 02 Feb 2011 15:46:52 GMT

I have this card. I dont think it is that difficult to get it

Re: Gold Delta SkyMiles AMEX

Creditaddict — Wed, 02 Feb 2011 17:28:49 GMT

yes, if Delta card is of no use to you, I would call and ask which cards your eligible to PC into. I even got Amex to refund my annual fee on Delta card when I PC because I was unhappy with the rewards.

Re: Gold Delta SkyMiles AMEX

Anonymous — Mon, 26 Mar 2012 19:02:57 GMT

Any way to get a "probationary" approval for someone who has been through a foreclosure and trying to rebuild credit. Credit is terrible (400's). Any known programs or "special" approvals? I travel a ton on Delta and it would be nice. Thanks for the help!

Re: Gold Delta SkyMiles AMEX

Anonymous — Mon, 26 Mar 2012 19:27:36 GMT

@Anonymous wrote:
Any way to get a "probationary" approval for someone who has been through a foreclosure and trying to rebuild credit. Credit is terrible (400's). Any known programs or "special" approvals? I travel a ton on Delta and it would be nice. Thanks for the help!

Honeslty, if your score is in the 400's I doubt Amex would even consider your application, especially for a revolver like the Delta Skymiles card. The only route I would think you should take at this time, is the secured route.

Re: Gold Delta SkyMiles AMEX

Anonymous — Mon, 26 Mar 2012 19:28:55 GMT

Do they have a secured option?

Re: Gold Delta SkyMiles AMEX

Creditaddict — Mon, 26 Mar 2012 19:30:26 GMT

The Mortgage was the only baddie?

Do you currently have anything open and in good standing?

and no BK?

I think for best help you need to open a new thread for you only regarding credit cards... get away from any thought of American Express right now.

Re: Gold Delta SkyMiles AMEX

Anonymous — Mon, 26 Mar 2012 19:39:26 GMT

@Anonymous wrote:
Do they have a secured option?

American Express doesn't have a secured card of any type. I just read however that if you use their prepaid card and are responsible with it. it m ay graduate you into a charge card, however, you would only be building that history with them internally. Nothing would be reported to the credit bureaus. I would have to agree and say Amex is not going to happen for you anytime soon.

Re: Gold Delta SkyMiles AMEX

drsmith — Tue, 27 Mar 2012 00:53:38 GMT

720 score

3 year total history, 1.5 year AAoA

30k income

instant approval for 7k

Re: Gold Delta SkyMiles AMEX

LS2982 — Tue, 27 Mar 2012 00:55:29 GMT

@Anonymous wrote:
@Anonymous wrote:
Any way to get a "probationary" approval for someone who has been through a foreclosure and trying to rebuild credit. Credit is terrible (400's). Any known programs or "special" approvals? I travel a ton on Delta and it would be nice. Thanks for the help!
Honeslty, if your score is in the 400's I doubt Amex would even consider your application, especially for a revolver like the Delta Skymiles card. The only route I would think you should take at this time, is the secured route.

Re: Gold Delta SkyMiles AMEX

LS2982 — Tue, 27 Mar 2012 00:56:28 GMT

@Anonymous wrote:
@Anonymous wrote:
Do they have a secured option?
American Express doesn't have a secured card of any type. I just read however that if you use their prepaid card and are responsible with it. it m ay graduate you into a charge card, however, you would only be building that history with them internally. Nothing would be reported to the credit bureaus. I would have to agree and say Amex is not going to happen for you anytime soon.

AMEX does have a secured card if you have $10,000 to put into an AMEX CD in their bank.

Re: Gold Delta SkyMiles AMEX

Anonymous — Tue, 27 Mar 2012 02:19:19 GMT

This card was really easy to get. I had like 6 inq on my report. They hit my worse credit report exp @702. I was like omg I'm not getting it.

Re: Gold Delta SkyMiles AMEX

Creditaddict — Tue, 27 Mar 2012 02:37:39 GMT

@Anonymous wrote:
@Anonymous card was really easy to get. I had like 6 inq on my report. They hit my worse credit report exp @702. I was like omg I'm not getting it.

Having a 702 credit score disqualifies you to say it is an easy card to get! (I mean that funny btw).

It probably "is" one of the easier credit card products with Amex, not sure why... but we see all the way down to the 630-640 get Charge Cards and maybe even lower lately with the offer from Zync for $200 CL or $500 CL with auto pay thing.