AMEX pre qualifed.

[Anonymous]

Hi and welcome to the forums, OP! Since you have a considerable amount of inquiries on your report I'd wait to apply until some of those fall off.

[Anonymous]

Normally with BK youll have to wait at least 5 months & some change before they will let you in if you did not include them into the BK.   I got mine around the 5 1/2 mark Blue Cash Preferred $1000 for the last 8 months or so.   No CLI due to BK.   So they will let you in but no CLI.   Feb 2020 they let me in again finally for more cards.   1st card I got around April 2019.   As of Feb 2020 I got the Green, Gold & Plat charge cards including the Everyday Blue.  All gotten within a 3 week period.   My BK falls off Nov 2019.   Credit scores on AMEX site for last approvals was about a 684.   Lower when I got the 1st card around the 660 range.   I have 2 Navy Fed cards, 2 Cap 1 cards, 1 Credit One card and a crappy 1st Premier card.  2 car loans and a mortgage.   Hope that helps with some insight.  Keep checking Pre Qual site

[Anonymous]

Hello 

i have been rebuilding my credit and looking at getting my first amex card. 

curent fico is at 676 for experian. i was pre qualified for the Delta Gold and the Hiltion cards. i do not have any collections on my experian file, however i do have a 8 year old BK. Is there a Best first card for Amex? Other than the delta gold or Hilton Should I just go with them since I was prequalified?? How accurate is the prequalification?

thank 

[Anonymous]

It depends on why type of card you are looking for, ie cashback, airline miles (delta), hotel points, mr's.........

Pre-approvals tend to be solid, but none are a 100% guarantee. Just go for it. Your BK is 8 years old, provided you didn't burn them, chances are good. 

[jbsilva21]

+ 1 what was said above. Its exciting, but if you don't have a use for the card don't get it. My first was Delta Gold since I fly Delta. 2 and half months later i got Blue Cash Preferred and Amex Platinum. I have upgraded to Delta Platinum for the slightly better benefits and the companion ticket. Since me and the family buy a lot of groceries I raked in $960 in cash back between gas and groceries. I am sincerely thinking of downgrading my Amex Platinum to Gold for the 4x dinning points. I am also trimming cards I don't use anymore since I have most of what I want and am holding out for Chase Hyatt next year. My scores were similar to yours and I had a preapproval on the checker. I was guilty of the same fresh out of rebuilding but I have come to my senses I guess. Lol. Good luck in whatever you decide. 

[Brian_Earl_Spilner]

The best one is the one you'll use the most.

[Anonymous]

Hello, 

what credit score is needed for the delta platinum card? vs the delta gold? 

thanks. 

[M_Smart007]

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@Anonymous wrote:

Hello, 

what credit score is needed for the delta platinum card? vs the delta gold? 

thanks. 

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Have you checked the Amex Pre-Qual website?

I think EX 680 FICO 8 would be the minimum  ... @K-in-Boston could much better advise on this than Me.

[Anonymous]

Yeah, prequalified for both. 
682 Experian Right now, wondering if I need a higher score for the platinum vs the gold

[M_Smart007]

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@Anonymous wrote:

Yeah, prequalified for both. 
682 Experian Right now, wondering if I need a higher score for the platinum vs the gold

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Just a hunch, but I would say if you are prequalified for both  .. you are probably good for the Platinum.

Probably same UW standards is My guess.

Good luck!