topic Re: I CANT BELIEVE IT! AMEX APPROVED! in Credit Cards

I CANT BELIEVE IT! AMEX APPROVED!

aftermath — Sat, 10 May 2008 06:27:52 GMT

I've been browsing the forum for some time now and have read about many with not-so-great credit being approved for the Amex Delta Skymiles Card.

For the past year, the only cards I have been able to be approved for were:

Orchard Bank $300

Capital One $300

In an attempt to try to fix the damage I have done to my credit, (Had some financial issues a few years back but now I'm back on my feet) I have been diligently paying my 2 credit cards on time, every time, for the past few months.

Only having a credit limit of $300 just wasn't cutting it for me. So...

Since everyone has had such great luck with the Delta card, I said what the heck, it wouldn't hurt just to try it, (even though my credit is cluttered with CO's and DEROGS and in the low 600's) to my amazement, I was approved for $4500!

Now my question is... HOW IN THE WORLD DID THIS HAPPEN?!?!?!? WOO HOO!!!!

Message Edited by aftermath on 05-09-2008 11:27 PM

Re: I CANT BELIEVE IT! AMEX APPROVED!

Anonymous — Sat, 10 May 2008 06:32:21 GMT

Wow, what a great new card and limit! A big step up - you should feel proud!

Re: I CANT BELIEVE IT! AMEX APPROVED!

aftermath — Sat, 10 May 2008 06:37:42 GMT

Thank you thank you.

Now time to MAX THIS BABY OUT!

JUST KIDDING! hehehe...

But seriously, i'm still trying to figure out how in the world I got approved? Any insights?

If they pulled an EX, my score is 633.

Re: I CANT BELIEVE IT! AMEX APPROVED!

Anonymous — Sat, 10 May 2008 07:24:06 GMT

I have my eye on Amex or maybe NFCU when they open up to all service branches in July.

Just got a chase card in Feb so don't want to apply for anything for 6 months at a minimum may even wait a year.

You say your CR is cluttered with co's derogs etc how old are these? I have a similar deal going on in my CR's but they are aging most recent is 2yr 8mo's ago other 3-4 years old.

Re: I CANT BELIEVE IT! AMEX APPROVED!

Anonymous — Sat, 10 May 2008 12:39:38 GMT

OP- Was this an instant approval?

Re: I CANT BELIEVE IT! AMEX APPROVED!

Red1Blue — Sat, 10 May 2008 12:59:27 GMT

Re: I CANT BELIEVE IT! AMEX APPROVED!

haulingthescoreup — Sat, 10 May 2008 15:37:54 GMT

@aftermath wrote:
Thank you thank you.

Now time to MAX THIS BABY OUT!

JUST KIDDING! hehehe...

But seriously, i'm still trying to figure out how in the world I got approved? Any insights?

If they pulled an EX, my score is 633.

Congrats on your escape from re-builder land!

How long ago was your most recent baddie? In other words, how many straight months of clean credit history do you have? And how old and how severe was your worst baddie?

I'm thinking that AmEx is willing to give you a try if you've shown a decent string of good behavior.

And this is COMPLETELY off the wall, but do we have any Delta Skymiles holders who were surprised to get the card, but are living near a Delta Air Lines hub, or another airport with a lot of Delta presence? I've always wondered how much input the affiliated business has on cards like these. Maybe Delta gives some preference to those who they think will be more likely to use the card to fly Delta, and proximity to their service areas might give a few points.

A stretch, I know.

Re: I CANT BELIEVE IT! AMEX APPROVED!

smallfry — Sat, 10 May 2008 15:40:50 GMT

Congrats OP. So you got my card huh? Use the card a lot and PIF the sob and they will reward you.

Re: I CANT BELIEVE IT! AMEX APPROVED!

UpNComing — Sat, 10 May 2008 15:46:54 GMT

aftermath wrote:
I've been browsing the forum for some time now and have read about many with not-so-great credit being approved for the Amex Delta Skymiles Card.

For the past year, the only cards I have been able to be approved for were:

Orchard Bank $300

Capital One $300

In an attempt to try to fix the damage I have done to my credit, (Had some financial issues a few years back but now I'm back on my feet) I have been diligently paying my 2 credit cards on time, every time, for the past few months.

Only having a credit limit of $300 just wasn't cutting it for me. So...

Since everyone has had such great luck with the Delta card, I said what the heck, it wouldn't hurt just to try it, (even though my credit is cluttered with CO's and DEROGS and in the low 600's) to my amazement, I was approved for $4500!

Now my question is... HOW IN THE WORLD DID THIS HAPPEN?!?!?!? WOO HOO!!!!

Message Edited by aftermath on 05-09-2008 11:27 PM

Its like a rash!!! Everyones catching it!

Re: I CANT BELIEVE IT! AMEX APPROVED!

Anonymous — Sat, 10 May 2008 16:03:08 GMT

Congrats and Welcome to the AMEX Family!

Re: I CANT BELIEVE IT! AMEX APPROVED!

Anonymous — Sat, 10 May 2008 16:54:31 GMT

Congrats aftermath! AMEX was my very first prime lender approval, and as such I feel somewhat loyal to them.

However, they did hit me with a FR and identity verification, which is quite annoying.

I would strongly suggest using this card and PIF'ing, at least for the first 6 months or so.

Re: I CANT BELIEVE IT! AMEX APPROVED!

Trishco — Sat, 10 May 2008 17:32:35 GMT

*talking to self*

Don't do it Trish, don't do it, they denied you in December and even in March, you don't need another cc...you got your Discover, and your Chase, you don't need an Amex...

Ahhhhhh....I'll app vicariously through ya'll!!

Re: I CANT BELIEVE IT! AMEX APPROVED!

smallfry — Sat, 10 May 2008 17:35:29 GMT

@Trishco wrote:
*talking to self*
Don't do it Trish, don't do it, they denied you in December and even in March, you don't need another cc...you got your Discover, and your Chase, you don't need an Amex...
Ahhhhhh....I'll app vicariously through ya'll!!

Listen to your inner voice. I have two rejections in the past 12 months as evidence of that.

Re: I CANT BELIEVE IT! AMEX APPROVED!

Anonymous — Sat, 10 May 2008 19:30:08 GMT

I'm terrible with app'ing. I apped Amex probably 6 or 7 times before I was approved.

Re: I CANT BELIEVE IT! AMEX APPROVED!

aftermath — Sat, 10 May 2008 21:00:15 GMT

@Anonymous wrote:
I have my eye on Amex or maybe NFCU when they open up to all service branches in July.

Just got a chase card in Feb so don't want to apply for anything for 6 months at a minimum may even wait a year.

You say your CR is cluttered with co's derogs etc how old are these? I have a similar deal going on in my CR's but they are aging most recent is 2yr 8mo's ago other 3-4 years old.

Roughly 3 years old (2 accounts), but they are all sitting there looking UGLY and RED on my credit reports.

Re: I CANT BELIEVE IT! AMEX APPROVED!

aftermath — Sat, 10 May 2008 21:00:36 GMT

@Anonymous wrote:
OP- Was this an instant approval?

Yes, instant approval.

Re: I CANT BELIEVE IT! AMEX APPROVED!

aftermath — Sat, 10 May 2008 21:02:42 GMT

@Trishco wrote:
*talking to self*
Don't do it Trish, don't do it, they denied you in December and even in March, you don't need another cc...you got your Discover, and your Chase, you don't need an Amex...
Ahhhhhh....I'll app vicariously through ya'll!!

"I think I can... I think I can..." - Little Engine that could.

Re: I CANT BELIEVE IT! AMEX APPROVED!

Anonymous — Sat, 10 May 2008 21:58:55 GMT

Yeah you are cleaner than I am aftermath I have 2 co's in 2004 with two accompanying settled collections + a closed cap1 with lates in 2005.

I need to relax let them age more and rack up points by doing the right thing. Then maybe amex lol.