topic Re: Thinking about AMEX, but....... in General Credit Topics

Thinking about AMEX, but.......

dragonheartt — Mon, 25 Jun 2007 00:35:37 GMT

I know they mostly pull EX, but can pull EQ. My EX score is 680, with a couple of 30 day lates and a 60 day late from late 2004. That is the only baddies! I'm running about 40% utilization and looking at getting a good card to drop that. I have paid off several accounts, basicallly because I didn't want to use them with my wife out of work. I didn't realize at the time that closing these accounts would do more harm than good. So, how good of a chance do you think I would have with the AMEX? If I apply, should it be for Gold Delta Skymiles or the Starwoods card?

Dragon

Re: Thinking about AMEX, but.......

fused — Mon, 25 Jun 2007 01:01:15 GMT

dragonheartt wrote:
I know they mostly pull EX, but can pull EQ. My EX score is 680, with a couple of 30 day lates and a 60 day late from late 2004. That is the only baddies! I'm running about 40% utilization and looking at getting a good card to drop that. I have paid off several accounts, basicallly because I didn't want to use them with my wife out of work. I didn't realize at the time that closing these accounts would do more harm than good. So, how good of a chance do you think I would have with the AMEX? If I apply, should it be for Gold Delta Skymiles or the Starwoods card?

Dragon

You should be approved for a Delta skymiles and Starwoods. But you should try and GW the lates first and see if they get deleted and bring your util down to 1-9%. These actions might later qualify you for a better Amex card, perhaps a Blue or Blue Cash.

Re: Thinking about AMEX, but.......

dragonheartt — Mon, 25 Jun 2007 01:06:18 GMT

Goodwill letters were sent last week. Chase was one of them, so I'm keeping my fingers crossed. I guess giving the letters about a month to see if I get a response wouldn't hurt. Thanks for the response.

Dragon

Re: Thinking about AMEX, but.......

Anonymous — Mon, 25 Jun 2007 08:08:47 GMT

dragonheartt wrote:
My EX score is 680, with a couple of 30 day lates and a 60 day late from late 2004.
...
how good of a chance do you think I would have with the AMEX?

With a 680 EX, if you have no defaulted AMEX CCs in your past, and no BK on your CRs, you should have no trouble getting a Delta. With a 680, I'd recommend you try for Blue as well. If you apply same day, odds are good you'll get at most 1 pull per CRA--likely only EX and maybe also TU.

Re: Thinking about AMEX, but.......

dragonheartt — Mon, 25 Jun 2007 12:17:24 GMT

Noah_Bodie wrote:

With a 680 EX, if you have no defaulted AMEX CCs in your past, and no BK on your CRs, you should have no trouble getting a Delta. With a 680, I'd recommend you try for Blue as well. If you apply same day, odds are good you'll get at most 1 pull per CRA--likely only EX and maybe also TU.

I'm alittle confused, is it the plain Delta Card or the Gold Delta that I should apply for?

Dragon

Re: Thinking about AMEX, but.......

Anonymous — Mon, 25 Jun 2007 12:19:05 GMT

Delta Gold.