topic Re: For those who have been recently appproved for the AMEX Delta... in General Credit Topics

For those who have been recently appproved for the AMEX Delta...

Tuscani — Fri, 08 Jun 2007 12:46:22 GMT

Try for the HILTON HHONORS card as well! If you apply within 7 days of your Delta it shouldn't cost you another Inq.

Also, remember to ask for CLI on activation!

PS... If you have a mid 600 EX score with no BK you should try and get your foot in the door with AMEX now!

GL!

Re: For those who have been recently appproved for the AMEX Delta...

Anonymous — Fri, 08 Jun 2007 13:04:25 GMT

Is the 7 days - no addl inq for all AMEX cards or just for the Delta & Hilton Honors?

Re: For those who have been recently appproved for the AMEX Delta...

Tuscani — Fri, 08 Jun 2007 13:07:05 GMT

No.. I believe any card within a certain period with AMEX count as one Inq. I think that period is 30 days, but posted 7 to be safe. As always, YMMV.

PS... This does not mean you should be greedy and go on an AMEX app spree. You do not want a AMEX FR.

Re: For those who have been recently appproved for the AMEX Delta...

Anonymous — Fri, 08 Jun 2007 13:19:05 GMT

I applied for two AMEX - to replace my two "starter" cards with Credit One & First Premier. Delta & Blue. Delta was instant approval. Blue was "We need to process" - Was approved 2 days later. The INQ was a day apart & it counted as two seperate INQs.

Re: For those who have been recently appproved for the AMEX Delta...

Tuscani — Fri, 08 Jun 2007 13:21:39 GMT

Jay1987 wrote:
I applied for two AMEX - to replace my two "starter" cards with Credit One & First Premier. Delta & Blue. Delta was instant approval. Blue was "We need to process" - Was approved 2 days later. The INQ was a day apart & it counted as two seperate INQs.

Well, like I said YMMV. It is normal to get "Pending" on the second app, but so far what I have read the second app (at least for Delta and Hilton) is not costing people an extra Inq. IMO, the extra Inq is worth it anyway!

Message Edited by Tuscani on 06-08-2007 08:21 AM

Re: For those who have been recently appproved for the AMEX Delta...

Cory — Fri, 08 Jun 2007 14:14:01 GMT

SHussss!, don't tell IRVIN. I bet he has already applied, twice. lol....................okay back to work.

Cory

P.S. All you guys have a great weekend.

Re: For those who have been recently appproved for the AMEX Delta...

Anonymous — Fri, 08 Jun 2007 14:52:13 GMT

HAHA. Nah man. I am done applying for credit until 2008 when i plan on buying a car.

I am going on a strike against applying for new credit now. That's it.

Re: For those who have been recently appproved for the AMEX Delta...

Tuscani — Fri, 08 Jun 2007 14:55:05 GMT

Irvin wrote:
HAHA. Nah man. I am done applying for credit until 2008 when i plan on buying a car.

I am going on a strike against applying for new credit now. That's it.

Cmon.. you know you want to.

Re: For those who have been recently appproved for the AMEX Delta...

Holmes007 — Fri, 08 Jun 2007 14:58:59 GMT

Is this card a Delta AMEX Business Card or Personal Card

Re: For those who have been recently appproved for the AMEX Delta...

Tuscani — Fri, 08 Jun 2007 15:09:01 GMT

Holmes007 wrote:
Is this card a Delta AMEX Business Card or Personal Card

Personal

Re: For those who have been recently appproved for the AMEX Delta...

Cory — Fri, 08 Jun 2007 15:13:46 GMT

Tuscani wrote:

Irvin wrote:
HAHA. Nah man. I am done applying for credit until 2008 when i plan on buying a car.

I am going on a strike against applying for new credit now. That's it.

Cmon.. you know you want to.

Don't worry, his card is coming in the mail. He will take you out to lunch for informing him about the offer. I think hes taking you to Elephant Bar.

Cory

Re: For those who have been recently appproved for the AMEX Delta...

Anonymous — Fri, 08 Jun 2007 15:38:52 GMT

If you're given a very low initial cl, how much of a cli should you ask for?

Re: For those who have been recently appproved for the AMEX Delta...

Tuscani — Fri, 08 Jun 2007 16:03:17 GMT

KDM wrote:
If you're given a very low initial cl, how much of a cli should you ask for?

No need to ask over the phone.. Just use the CLI button on their website.. just don't fill out the form.

Message Edited by Tuscani on 06-08-2007 11:03 AM

Re: For those who have been recently appproved for the AMEX Delta...

Anonymous — Fri, 08 Jun 2007 16:09:58 GMT

I was having a major anxiety attack about applying for this in seeing that it was a Platinum Card. This is probably the card I'd rather have as I use Hilton quite frequently. So I'm happy to say they did approve me. $2100 limit. After being treated like a leper just three years ago it's hard to believe Amex thinks I am worthly of $6500 worth of credit. Thanks Tuscani! I appreciate all your help.

Re: For those who have been recently appproved for the AMEX Delta...

Anonymous — Fri, 08 Jun 2007 16:54:12 GMT

My niece just got the Delta Amex card with a 1,000 cl (her first card!) How much of a cli should she put when she clicks the CLI request and they want to know how much your requesting? 2,000? 3,000? More? Less?

Re: For those who have been recently appproved for the AMEX Delta...

Anonymous — Fri, 08 Jun 2007 17:08:54 GMT

No dice - "American Express risk acquisition score is too low".

So I will have to be content with my 10K Delta - still the biggest CC I have ever owned.

Also, does AMEX look favorably if you make nice sized payments? I have 8000 in BT - minimum payment is 2% or $160. I have budgeted $500/month to pay this off. Should this help? Do CC issuers in general like larger payments or will I be a "Deadbeat" in their eyes because I am responsible?

Re: For those who have been recently appproved for the AMEX Delta...

Tuscani — Fri, 08 Jun 2007 18:01:39 GMT

princessofpink wrote:
I was having a major anxiety attack about applying for this in seeing that it was a Platinum Card. This is probably the card I'd rather have as I use Hilton quite frequently. So I'm happy to say they did approve me. $2100 limit. After being treated like a leper just three years ago it's hard to believe Amex thinks I am worthly of $6500 worth of credit. Thanks Tuscani! I appreciate all your help.

YAY!!!!!!

Re: For those who have been recently appproved for the AMEX Delta...

Tuscani — Fri, 08 Jun 2007 18:02:25 GMT

KDM wrote:
My niece just got the Delta Amex card with a 1,000 cl (her first card!) How much of a cli should she put when she clicks the CLI request and they want to know how much your requesting? 2,000? 3,000? More? Less?

You don't put anything in.. it will present you with a new CL automatically.

Re: For those who have been recently appproved for the AMEX Delta...

Tuscani — Fri, 08 Jun 2007 18:04:06 GMT

Phouchg wrote:
No dice - "American Express risk acquisition score is too low".

So I will have to be content with my 10K Delta - still the biggest CC I have ever owned.

Also, does AMEX look favorably if you make nice sized payments? I have 8000 in BT - minimum payment is 2% or $160. I have budgeted $500/month to pay this off. Should this help? Do CC issuers in general like larger payments or will I be a "Deadbeat" in their eyes because I am responsible?

All CCC like nice sized payments. The trick with AMEX is to carry low balances. You do not want a FR.

Re: For those who have been recently appproved for the AMEX Delta...

Anonymous — Fri, 08 Jun 2007 21:38:41 GMT

When I did the online cli request for my Blue, it asked me how much of a cl I was requesting. Isn't it the same for the Delta? I asked for a specific amount and was approved.