topic Re: Amex accepted me?!?! Delta Gold in Credit Cards

Amex accepted me?!?! Delta Gold

creditninja9000 — Thu, 20 Mar 2008 17:23:17 GMT

I don't know but today I couldn't resist the temptation to apply again for a Delta Gold, I read it was easier to get. I applied to the Student Blue 3 days ago and while my fico scores are all between 650-670, I got declined based on about 7 other reasons. So I've paid of all my other cards and closing ones I don't need. And I was going to wait for them all to report zero balances but the urge hit me, and I got approved!!

I still won't believe it until the actual card gets here. I'm just shocked based on the number of reasons I was declined 3 days before. They had me call for address verification, which I think at that point I was already approved anyway, but it seemed like talking to a live person helped too......

Anyway, I still want to get the Blue instead, will it be as easy as just calling them to switch once I receive the Delta Gold card? I hope so.

So, I'm going to have my 3 credit cards, all I need now is a Discover =D. Closing out all my other cards from crappy banks.

Re: Amex accepted me?!?! Delta Gold

Anonymous — Thu, 20 Mar 2008 17:52:23 GMT

What CL did you get? Congrat on getting "in" with AMEX! I am waiting till 6.16.08 and then apporama: Amex, Citi, chase, you name it!

Message Edited by Carsalesmn on 03-20-2008 10:52 AM

Re: Amex accepted me?!?! Delta Gold

haulingthescoreup — Thu, 20 Mar 2008 17:54:54 GMT

@ejbeasley wrote:
br>Anyway, I still want to get the Blue instead, will it be as easy as just calling them to switch once I receive the Delta Gold card? I hope so.

Congrats on the card! Just as a general heads-up, it does look like many of the people who have been recently hammered by AmEx did "product changes." They're awfully antsy these days. You might want to seriously think about using the Delta for 6 months, showing them that you're responsible, and then swapping.

Re: Amex accepted me?!?! Delta Gold

MidnightVoice — Thu, 20 Mar 2008 17:57:12 GMT

Congrats and very, very careful be.

Re: Amex accepted me?!?! Delta Gold

NICKI183 — Thu, 20 Mar 2008 17:57:52 GMT

Congrats to you!!!

Re: Amex accepted me?!?! Delta Gold

haulingthescoreup — Thu, 20 Mar 2008 18:01:21 GMT

@Anonymous wrote:

What CL did you get? Congrat on getting "in" with AMEX! I am waiting till 6.16.08 and then apporama: Amex, Citi, chase, you name it!
Just so you realize that AmEx will absolutely soft you AFTER you get a card from them, and if they think that you then went on and got a bunch of additional credit, that card might be gone before you ever see it.

I just picked up a Gold Rewards Plus card a couple of days ago, a month after my app frenzy. Granted, this is a charge card rather than one of their very scary revolvers, but I figured that my scores and reports are as awful now as they're ever going to be. So if they approved me after looking at this steaming mess, there's not anything else I plan to do that could worry them. Just a thought.

Re: Amex accepted me?!?! Delta Gold

creditninja9000 — Thu, 20 Mar 2008 18:41:12 GMT

Yeah I have no problem using the delta for a few months and asking later, my question is that will they switch the account to the new card or ask me to apply for a new one altogether. I've had US Bank do this with my student visa to a platinum visa. However Cap1 said they can't do this, BoA also said the same thing. So if asking right off the bat means getting a blue I'd rather do it now than later.

Do you all think they'll give me problems later or no? Either way I'm just happy to have an Amex now.

Re: Amex accepted me?!?! Delta Gold

Anonymous — Thu, 20 Mar 2008 19:31:05 GMT

I noticed that after I got a Delta card and made multiple charges and payments they seemed to loosen up a bit and gave me a Clear and a Green.

Re: Amex accepted me?!?! Delta Gold

creditninja9000 — Thu, 20 Mar 2008 21:59:12 GMT

@Anonymous wrote:
I noticed that after I got a Delta card and made multiple charges and payments they seemed to loosen up a bit and gave me a Clear and a Green.

Did you convert or get a new card altogether?

Re: Amex accepted me?!?! Delta Gold

haulingthescoreup — Thu, 20 Mar 2008 22:00:13 GMT

@ejbeasley wrote:

Yeah I have no problem using the delta for a few months and asking later, my question is that will they switch the account to the new card or ask me to apply for a new one altogether. I've had US Bank do this with my student visa to a platinum visa. However Cap1 said they can't do this, BoA also said the same thing. So if asking right off the bat means getting a blue I'd rather do it now than later.

Do you all think they'll give me problems later or no? Either way I'm just happy to have an Amex now.

My understanding is that they're very happy to swap you out, and you keep the history, but I'd feel happier if you could hear from someone who has actually done this. I'm just a reader on this one.

You might want to start a separate thread on this with something like "future AmEx product change" as the title. I know that lots of people have done this in the past, and a specific title might catch their attention. There have been so many AmEx threads recently that some people are starting to curl up in a ball when a new one comes along!

Re: Amex accepted me?!?! Delta Gold

Anonymous — Fri, 21 Mar 2008 02:25:33 GMT

IMO- the Delta IS a better card than the Blue-

Delta gets better if you have a Green as the AF goes down -

Blue is better with a Green and the "Express rewards" turns into member rewards

Blue Cash is sweet if you can push enough though it to get serious cash back-

So if you are going to have 1 card with Amex=

Delta or Blue cash

2 Cards= Blue and Green or Delta and Green

Re: Amex accepted me?!?! Delta Gold

creditninja9000 — Fri, 21 Mar 2008 02:38:12 GMT

Nah I definitely don't need a card with an annual fee at all. I'm a student so I won't be pushing much money through. I wanted an Amex because I buy a lot of technology related items I could use extra warranty coverage on, etc. I also wanted to have something other than a wallet full of Visa cards down the line.

Applying for the Delta was a way of getting my foot in the door, because for whatever reason I was declined for the Student and approved for this one? Go figure.

Re: Amex accepted me?!?! Delta Gold

Anonymous — Fri, 21 Mar 2008 02:43:05 GMT

Keep the Delta-

This is not the first time I have heard recently someone apping for a student card being denied- then apping for a regular and getting it.

The other person had a high 700 FICO too.

ejbeasley wrote:
Nah I definitely don't need a card with an annual fee at all. I'm a student so I won't be pushing much money through. I wanted an Amex because I buy a lot of technology related items I could use extra warranty coverage on, etc. I also wanted to have something other than a wallet full of Visa cards down the line.

Applying for the Delta was a way of getting my foot in the door, because for whatever reason I was declined for the Student and approved for this one? Go figure.