Delta AMEX advice please!

[Anonymous]

Advise me about this one please! As a frequent Delta traveler I've always been interested in applying for it but my credit score was never strong enough. I still don't think it's strong enough in my mind but in the last two months I've gotten approved for Chase Freedom, SWA and Marriott Premier. I feel like I'm lucky as hell these days LOL. So I'm wondering do you guys think I have a shot at all at the Delta AMEX? If I'm gonna go for it, I'd like to try by the end of the month to get the 50k offer. My utilization is 20%, 2 paid collections due to fall off next year, 1 paid charge off. Score is only around 635. I'm kinda worried about taking an HP for nothing but I don't have plans to apply for anything else before a mortgage in fall 2016. What do y'all think?

[CreditCuriosity]

IMO I would wait for EXP to be around 660 and you will have a good shot, might get it around 650, but I rather edge on the side of caution.  It is their easiest card to get approved for IMO.  I got it as my first AMEX at 660 and was declined for the green card a week earlier.  As always everyones profile is different.  Now I can get any Amex card with score increases and Amex knowing my spending habits and payment habits.

[Anonymous]

Always appreciate your input! I'm kinda frustrated with EX right now. My profile has improved significantly since the beginning of March with my until going from 59% to 20% but no score change whatsoever. I was hoping it would be edging up to at least 650 because of that. What gives?!

[TRC_WA]

Scores look a little low...

I got a $5k instant approval in December with a 683 EX... 5 years from filing Ch 13... (AmEx was not burned)

I was denied a year earlier.

I googled "easiest AmEx to get" and everything pointed to this card.

Flying SEA to JFK in a couple weeks... my free mileage bonus ticket. 

[CreditCuriosity]

If your new cards haven't reported yet, then you might not see anything or less than expected.  Have the all reported being the new accounts?  You are going to take a small hit on the Inquiry a few points usually, but that comes back in time along with an AAoA hit, but you will have more credit that will ultimately make your profile stronger as it pushes your utilization comes down.  Obviously you have been approved for some nice cards lately and as always scores arent everything it is what is in the credit reports.  I can say for a fact Amex does approve with Lates/CO's/CA's on your report as I have them all, just depends on how old they are among the whole profile..  When is the last time your pulled your scores or are you using the MyFico 3b credit monitoring service?  If so, they are VERY VERY slow on upating scores, something needs to trigger it.  You might be higher than you actually think you are score wise?

[Anonymous]

I was using experians credit tracker sight which updates daily. All the new accounts have reported except the Marriott which I just received yesterday. The new cards are what helped my util go down along with paying other balances. I took the initial small hit for the inquiry right away (3pts) but that was at the beginning of May. Since then no change in score for better or worse. I'm starting to think EX is broken LOL

[SouthJamaica]

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@Anonymous wrote:
Advise me about this one please! As a frequent Delta traveler I've always been interested in applying for it but my credit score was never strong enough. I still don't think it's strong enough in my mind but in the last two months I've gotten approved for Chase Freedom, SWA and Marriott Premier. I feel like I'm lucky as hell these days LOL. So I'm wondering do you guys think I have a shot at all at the Delta AMEX? If I'm gonna go for it, I'd like to try by the end of the month to get the 50k offer. My utilization is 20%, 2 paid collections due to fall off next year, 1 paid charge off. Score is only around 635. I'm kinda worried about taking an HP for nothing but I don't have plans to apply for anything else before a mortgage in fall 2016. What do y'all think?

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My experience with the Delta card hasn't been pretty. Was approved for it with $2k credit limit a year ago. Haven't been able to get a CLI since then. I don't find it very useful.

[Anonymous]

Do you use my fico monitoring?

[Anonymous]

I LOVE my Delta PLAT so far. I appd last month when I was getting ready to book a trip. Was instantly approved and they give you all your account info so you can book a flight immediately. No having to wait for the card to arrive a week later. I paid off my flight two days after I booked it and immediately got the extra $100.00 statement credit for booking within 90 day's. I just hit 2K in spending today and once it post's, I'll immediately pay it and should have 60K in miles added to my account. The only downside is there's no "free AF first year". So my $100.00 went straight to my $195.00 AF. 😢😢

[Anonymous]

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@Anonymous wrote:
Do you use my fico monitoring?

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Yes I use myfico. I was using experians site as well until last week. I haven't gotten any myfico alerts for experian in more than a month. On experian I saw all the changes to my report, balance changes, new accounts, utilization, etc, but never any score change. Frustrating to say the least.