Amex App - HELP!

[Anonymous]

Hey everyone,

I really want the delta amex my fico is 631 and my experian is 620, what are my chances?

[fltireguy]

I hate to be a pessimist, but the odda aren't too good... Over 660ish on your ex, and you probably have a shot

[Anonymous]

You can also check the CreditPulls data base, it may give you some insight. Remember though, no two applicants are exactly the same.

[Anonymous]

Yeah, did some research and the late 600 and up are approvals. 

[Anonymous]

thanks checked the site, very helpful!

[Anonymous]

Check the Amex preapprovals before you apply. If you got in, you'd probably get a $500 or $1000 limit but at least you'd be in with Amex. If you're not preapproved on the site, it's very unlikely that you'd be approved if you do a cold app, until your scores increase. 

[Anonymous]

No pre approvals yet, maybe I should wait.

[drboxing]

Amex is odd, my numbers were like yours, no preapprovals, I applied for Amex Delta while on the Delta site, approved for $1000 SL.

[Anonymous]

I’ve always wondered if applying through the delta site improves the odds

[drboxing]

Not sure but I had previously applied for Amex Green card and was denied, applied for Delta on delta.com was approved.