Chances of AMEX Approval?

TRC_WA · ‎12-27-2014

@Jarrodpd wrote:
@TRC_WA wrote:
I was approved today... Scores and INQs are in sig... I got a $5k Delta Gold. Forums said it was easiest to get... Not sure which CRA they pulled... Waiting on alert.

Yes I am too close to the end of the year... MSD 2015.

Do you know if your month will be January?

That's what I'm assuming. Online login says 2015 and another poster who called said the last 7 days of the month are pushed to the next month. I was approved 12/26.

They pulled EX.

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24

Anonymous · ‎12-27-2014

Theres no month on the card . All it says is Member Since 15 .

NRB525 · ‎12-27-2014

@Anonymous wrote:
Theres no month on the card . All it says is Member Since 15 .

On your credit report, however, the "Opened" date does have a calendar date. The first card is what it is. The second and subsequent cards use the month/day of that opening plus the original MSD year.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Jarrodpd · ‎12-27-2014

@Anonymous wrote:
Theres no month on the card . All it says is Member Since 15 .

Sorry for the confusion, Is the valid thru date 12/19 or 1/20? If you have got the card yet.

USAA Platinum Mastercard: $8000
American Express HHonors no AF: $12000
American Express Premier Rewards Gold: NPSL
American Express Platinum: NPSL
US Bank Cash+ Visa Sig: $5100|Chase Freedom: $7000|Chase Sapphire Reserve: $10000
Total combined CL:$42,100|Exp: 763(788Amex)|Equ: 759|Tu: 769 (04 May 2016)

xnxo · ‎12-29-2014

@Anonymous wrote:
Theres no month on the card . All it says is Member Since 15 .

Did you get your card? Is the valid thru date 12/19 or 1/20?

BoA Cash Rewards $1.9k, Cap1 QS $1.1k, Amex ED $2k, Amex BCE $7.5k, Amex PRG: NPSL w/ Opt to Carry, Kohls $300, VS $2.8k, Paypal Credit $1.8K, Sears MC $4K, CareCredit $1k
12-6-13 EX FICO: 591
Current Score: EXP: 708 (FICO 1/2015) EQ: 740 (FICO 12/2014) TU: 750 (12/14/14 FAKO)
Goal score: 750 across by JAN 2018! Gardening as of AUG 21, 2017 - GOAL 12 MONTHS

Anonymous · ‎12-29-2014

It's 12/19 . They fixed my MSD on the online account and their sending me a new card with 2014 MS .

morenaroxx · ‎01-01-2015

Just wanted to let everyone know that I bit the bullet today and applied for the Delta Amex...and I was approved!!! My limit is $2,000 not too bad all things considered. I will definitely do the 61day CLI. Anywho, my credit profile is now complete! I have all of the cards I desired. Now into the garden I go indefinitely!!! Thanks for the help!

Starting (06/19/14): EQ FICO 614, EX FICO 619, TU CAP1 578
Current (12/24/14): EQ FICO 750, EX FICO 700, TU CAP1 670
Goal: 800+
Wallet: Cap1 Venture ($10,000), DCU Visa ($5,000), Chase Freedom ($2,500), AMEX Delta ($2,000), Merrick Visa ($1,200), VS ($350)

Anonymous · ‎01-01-2015

@morenaroxx wrote:
Just wanted to let everyone know that I bit the bullet today and applied for the Delta Amex...and I was approved!!! My limit is $2,000 not too bad all things considered. I will definitely do the 61day CLI. Anywho, my credit profile is now complete! I have all of the cards I desired. Now into the garden I go indefinitely!!! Thanks for the help!

Congratulations! Continue success.

morenaroxx · ‎01-01-2015

@Anonymous wrote:
@morenaroxx wrote:
Just wanted to let everyone know that I bit the bullet today and applied for the Delta Amex...and I was approved!!! My limit is $2,000 not too bad all things considered. I will definitely do the 61day CLI. Anywho, my credit profile is now complete! I have all of the cards I desired. Now into the garden I go indefinitely!!! Thanks for the help!
Congratulations! Continue success.

Thanks! Part of me wants to see if I'll be approved for a charge card (Gold or Green) the other part is telling me that I really don't need it lol.

Starting (06/19/14): EQ FICO 614, EX FICO 619, TU CAP1 578
Current (12/24/14): EQ FICO 750, EX FICO 700, TU CAP1 670
Goal: 800+
Wallet: Cap1 Venture ($10,000), DCU Visa ($5,000), Chase Freedom ($2,500), AMEX Delta ($2,000), Merrick Visa ($1,200), VS ($350)

Anonymous · ‎01-01-2015

@morenaroxx wrote:
@Anonymous wrote:
@morenaroxx wrote:
Just wanted to let everyone know that I bit the bullet today and applied for the Delta Amex...and I was approved!!! My limit is $2,000 not too bad all things considered. I will definitely do the 61day CLI. Anywho, my credit profile is now complete! I have all of the cards I desired. Now into the garden I go indefinitely!!! Thanks for the help!
Congratulations! Continue success.
Thanks! Part of me wants to see if I'll be approved for a charge card (Gold or Green) the other part is telling me that I really don't need it lol.

One new TL is enough if you don't need a Charge card for some reason.

Re: Chances of AMEX Approval?

Re: Chances of AMEX Approval?

Re: Chances of AMEX Approval?

Re: Chances of AMEX Approval?

Re: Chances of AMEX Approval?

Re: Chances of AMEX Approval?

Re: Chances of AMEX Approval?

Re: Chances of AMEX Approval?

Re: Chances of AMEX Approval?

Re: Chances of AMEX Approval?