topic Re: Amex Delta and True earning in Credit Cards

Amex Delta and True earning

princeromeo — Fri, 21 Dec 2012 01:26:44 GMT

Hello, I applied on the 16th and was approved for the delta with a 1000 CL, but because I did two apps the status of the costco application is still in progress and when I just called they said by friday they will have a answer. Is this because of a FA alert on my experian report or because I applied for two cards at once? I just jope 4 day wait is not a decline

Re: Amex Delta and True earning

nicholasyud — Fri, 21 Dec 2012 02:29:25 GMT

probably they need to verify your Costco member number......thats happen most of the time with their True E apps

Re: Amex Delta and True earning

princeromeo — Fri, 21 Dec 2012 03:30:20 GMT

they did soft me yesturday, so I dont know

Re: Amex Delta and True earning

nicholasyud — Fri, 21 Dec 2012 03:37:42 GMT

did they pull all three HP ????

Re: Amex Delta and True earning

princeromeo — Fri, 21 Dec 2012 03:47:05 GMT

no i have equifax and transunion frozen they tried to but i would not give in!

Re: Amex Delta and True earning

princeromeo — Fri, 21 Dec 2012 03:48:12 GMT

I told them, you pulled my experian, so please use that and they did

Re: Amex Delta and True earning

princeromeo — Mon, 24 Dec 2012 20:15:04 GMT

I was denied with a 664 fico from experian. Called the exe office today and was transferred to a rep who spoke to her manger about reconsideration, after 15 min hold she said to call back in 72 hours. Do I still have a chance of being approved, I do have a lot of inqs from auto dealership and a credit card that's almost maxed other then this my credit profile is good. When calling the exe office of American express did anyone talk to them about recon because I was transferred right away to new accounts?

Re: Amex Delta and True earning

princeromeo — Mon, 24 Dec 2012 22:32:23 GMT

anyone? recon with 660ish score for amex and approved?

Re: Amex Delta and True earning

Ron1 — Mon, 24 Dec 2012 22:35:19 GMT

@princeromeo wrote:
anyone? recon with 660ish score for amex and approved?

I think you have better chance to get approved for their charge card. Try to get Amex Green.

Ron.

Re: Amex Delta and True earning

nicholasyud — Mon, 24 Dec 2012 23:40:56 GMT

amex is not great with recon but you can try your best. On top of that u should join them at least 6 months and go for Amex TU. I heard that's one of the hard card to get from Amex.

Re: Amex Delta and True earning

princeromeo — Mon, 24 Dec 2012 23:47:48 GMT

I was a member since 2007 on and off, never missed a payment with them but i closed those cards.

Re: Amex Delta and True earning

bichonmom — Tue, 25 Dec 2012 05:32:34 GMT

Generally for their credit (vs. charge) cards, you should be at least 700 FICO. That's likely why they tried to pull your other CRs. They do that when an app is borderline. If your tu or EQ are any better, you might let them pull. Otherwise, I'd say while its always possible, it's not likely that you'll get approval on recon. As a rule, Amex only recons when something has changed since the CR. it's possible your explanation of the HPs for a car might make a diff. But your overall FICO is pretty low for an Amex cc.

At least you got delta, so you're in with them. build your history with them and apply again in 6 - 12 mos. if you can pay down your util, it will help with fico and getting approved.