So, after a BK and much waiting, Amex has prequalified me for their Delta SkyMiles cards. I guess my questions are:
1. My TU score (I presume they pull TU) is 650 as of now, but Capital One should be reporting Any Day Now™ that my utilization on the QS1 card I have through them is at 0, down from 85%. I'm guessing I should, at a minimum, wait until that happens (at which point all of my tradelines will be reporting $0, except for a Credit One card reporting $70 and an Amazon Prime Store card reporting $90 because I had to hit Whole Foods a day earlier than I'd planned). Am I off the mark?
2. How often does "pre-qualified" eventually become "approved", barring a sudden collection, late payment, or other unfortunate event?
3. Are their charge cards any easier to qualify for than their credit cards? Barring unexpected events such as a more accessible apartment coming available right away, as happened a year ago (my wife uses a wheelchair), my general tendency is not to carry a balance, or, if I do, not to carry a balance for more than a month. I'd be fine with a Green Card (although the Platinum Card has its appeal).
4. Or, should I hold off on Amex for slightly longer and wait for a better offer?
As a side note, I also have about $5,000 in dental work that I'd like to get Care Credit for (it's doable without Care Credit, honestly, but 0% financing is tough to beat).
Thanks for your input.
Current cards:- Amex Gold (NPSL)
- Amex Gold (NPSL)
- Amex Platinum (NPSL)
- Amex Green (NPSL)
- Amex Platinum for Schwab (NPSL)
- Amex BCP ($10,000)
- Delta SkyMiles Reserve ($19,000)
- Marriott Bonvoy Brilliant ($10,000)
- Hilton Honors Aspire ($3,700)
- Amex Blue Business Plus ($15,000)
- Bill World Elite MC ($10,000)
- Citi Custom Cash ($4,000)
- Capital One World Elite Mastercard ($4,300)
- Mercury Mastercard ($3,650)
- Discover IT ($3,300)
- Apple Card ($5,750)
- NFCU Flagship Rewards ($11,000)
