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Delta Gold - 2nd AMEX pull?

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Regular Contributor

Delta Gold - 2nd AMEX pull?

I have had my AMEX gold for about a month now. First card with AMEX in my life. Already hit the SUB and it’s become my main card for everything and will stay that way. Recently just paid the first statement off. So they have data on me with spending and paying.

I now want to try and app for the Delta Gold as I live close to a hub and would like to use benefits of the card in tandem with my Gold for flights. I plan to app in a month or so.

Is AMEX going to HP since my time is so limited with them? Or will I get lucky that my credit pull from gold is pretty new for a SP? Obviously, very YMMV. Or should I just chill for a couple months? You all are the best!

Additional data:
TU FICO when gold pulled - 666 (spooooooky)
Message 1 of 10
9 REPLIES 9
Frequent Contributor

Re: Delta Gold - 2nd AMEX pull?


@Sage512MB wrote:
I have had my AMEX gold for about a month now. First card with AMEX in my life. Already hit the SUB and it’s become my main card for everything and will stay that way. Recently just paid the first statement off. So they have data on me with spending and paying.

I now want to try and app for the Delta Gold as I live close to a hub and would like to use benefits of the card in tandem with my Gold for flights. I plan to app in a month or so.

Is AMEX going to HP since my time is so limited with them? Or will I get lucky that my credit pull from gold is pretty new for a SP? Obviously, very YMMV. Or should I just chill for a couple months? You all are the best!

Additional data:
TU FICO when gold pulled - 666 (spooooooky)

+1 on your assessment of YMMV. It really depends on what the rest of your mileage looks like, so to speak. Include some of your data points so that some of these peeps could help you with that info you seek.

 

Good Luck!






RIP: EECU PLOC | BBVA PLOC | Chase SP | Chase Amazon | Chase Freedom | WF Propel
Message 2 of 10
Valued Contributor

Re: Delta Gold - 2nd AMEX pull?


@Sage512MB wrote:
I have had my AMEX gold for about a month now. First card with AMEX in my life. Already hit the SUB and it’s become my main card for everything and will stay that way. Recently just paid the first statement off. So they have data on me with spending and paying.

I now want to try and app for the Delta Gold as I live close to a hub and would like to use benefits of the card in tandem with my Gold for flights. I plan to app in a month or so.

Is AMEX going to HP since my time is so limited with them? Or will I get lucky that my credit pull from gold is pretty new for a SP? Obviously, very YMMV. Or should I just chill for a couple months? You all are the best!

Additional data:
TU FICO when gold pulled - 666 (spooooooky)

With only 30 days history, AMEX has not begun regularly soft pulling your EX score. Chances are good that it will incur another hard pull at this time. I would wait until you have 60 to 90 days history or at least until you see your EX score updating in your AMEX account before applying for the 2nd card. After this, you will have sufficient history with AMEX that future cards will also be SP, but as always YMMV.

Message 3 of 10
Regular Contributor

Re: Delta Gold - 2nd AMEX pull?

You sir make a very good point. I will keep up normal spending habits and payments and keep checking EX in Amex app as you suggest.

I will maybe try that sixty day mark as I know I have some upcoming spend around then. I will prepare for a possible HP and report what happens then.
Message 4 of 10
Valued Contributor

Re: Delta Gold - 2nd AMEX pull?

Good advice and good plan. Seems like most of what I read is that while YMMV, applications after the first 60 days of membership seem to have better chances of being approved on a SP than ones made earlier than that. Waiting til at least 60 days or two statement cuts, whichever happens later, should increase the odds that you’ll avoid a second HP.


Rose Gold/BCP/Delta Gold/Hilton Ascend/Hilton Honors | IT | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Kohl’s

Heir apparent to the SJ Special (finally got a Disco CLI of $300)

5/24, 1/24, 76445/24, who cares #ratherhaveAmex





Entering the garden 5/27/2019, staying until 2020
Message 5 of 10
Frequent Contributor

Re: Delta Gold - 2nd AMEX pull?


@Sage512MB wrote:

Is AMEX going to HP since my time is so limited with them? Or will I get lucky that my credit pull from gold is pretty new for a SP? Obviously, very YMMV. Or should I just chill for a couple months? You all are the best!

Additional data:
TU FICO when gold pulled - 666 (spooooooky)

Very similar situation to you as I got a Delta Gold first and have only paid off one statement balance so far.  I applied for Hilton Ascend a week ago and was approved with no HP.  Two caveats:  The SL on the Ascend is only $1k.  See my credit scores in my signatures.  So, YMMV may come into play as you suspect.  You may want to call their customer support line and ask them if you're that concerned about a HP.

 

Good luck regardless!  It's a great card.  




Message 6 of 10
Regular Contributor

Re: Delta Gold - 2nd AMEX pull?

Very interesting. I’m surprised you got such a low SL for your credit score and history. I would expect a 1K SL at my level. But I definitely think your longer credit history from the first pull would not worry them at all to SP.

What is your Delta Gold line like if you don’t mind me asking?
Message 7 of 10
Valued Contributor

Re: Delta Gold - 2nd AMEX pull?

Sign on to your account

Click to menu

Click on cards

Click on view all cards

Click on Delta Gold card

Click on apply

 

If at the top of the page it says you are preapproved then I'd say go and apply

 

If it says expanging your experience, then odds are you wont be approved




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>06/2019 CCT EX 829 TU 848 EQ 837
Thus will it come to pass. The Dying Leader will know the truth of the Opera House. The missing Three will give you the Five, who've come from the Home of the Thirteenth. You are the Harbinger of Death, Kara Thrace. You will lead them all to their End. End of line.
Message 8 of 10
Frequent Contributor

Re: Delta Gold - 2nd AMEX pull?


@Sage512MB wrote:
Very interesting. I’m surprised you got such a low SL for your credit score and history. I would expect a 1K SL at my level. But I definitely think your longer credit history from the first pull would not worry them at all to SP.

What is your Delta Gold line like if you don’t mind me asking?

I assume you were asking me Sage.  I was approved for $16.5 for the Delta Gold.  So the $1k for the Ascend was a surprise to me, but I am sure it was due to the application frequency.  A trick most of us use is that if you hover over the cards in my signature, you can see the CL for each one.  




Message 9 of 10
Valued Contributor

Re: Delta Gold - 2nd AMEX pull?

Given what AmEx gave you on the DG, if it were me, I would move some of that to the Ascend and then go for the 3x CLI on the Ascend when the window opens. You might get the full 3x depending on how much you love. It’d be worth it in my mind to move at least $4k over for a CL of $5k and then try for the 3x when the time comes, to end up with a $15k Ascend and a $12.5k DG.


Rose Gold/BCP/Delta Gold/Hilton Ascend/Hilton Honors | IT | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Kohl’s

Heir apparent to the SJ Special (finally got a Disco CLI of $300)

5/24, 1/24, 76445/24, who cares #ratherhaveAmex





Entering the garden 5/27/2019, staying until 2020
Message 10 of 10