Question on all DELTA SkyMiles Card (Got all Pre Qualified)

[Anonymous]

Hello all!

I have a question on some pre approvals I got this moring with all of the Delta Skymiles Credit Cards. 

I wanted to know if the Amex website is very well legit with it prequal's. They were in fact pre qual's and not pre approvals. I mean when you try to get pre approved, it will only tell you that your pre qualified. I also know there is alot to being approved and nothing is garunteed. But I want to know if I can trusted the Amex website on it's pre qualifying, I mean how accurate is the site? I also have the Delta Platnium, Gold and Blue.  My Stats are below as well. I already a Medallion member and fly ALOT! I didn't get a pre qaul on the Amex platnuim charged card but would I be better off applying for that instead even though im not pre qualified even though I travel a ton?

Since I know they only look at EXP I will only post what on that report.

EXP 689 FICO 8

UTI 38%

AAofA 1.9 YARS

Credit Cards

NO COLLECTIONS

NO LATES

2 Syncb accounts (1 @ 0 Balance 1000CL / 1 with 459.00 Balance of 3500CL

Discover Card 7500CL WITH 195.00 BL

BECU Visa Sig 10500CL WITH 4000 BL

Installment Loans

BECU Personal Loan 5000amount 2000 BL

BECU LOC 1000 Loan 100 BL

Could really use some advice on weather I should apply. Here is the bouns I get with each as mentioned on my pre qualify page below. I couldn't post the pictures on here hahaha! Thanks for your help guys. I want to apply today but wanted some answers first from you guys. By the way I stay in a lot of hotels as well lol!

You pre-qualify for a special Card offer! Apply now.

The Reserve (Earn 125,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs)†

The Platnium (Earn 75,000 Bonus Miles†, 10,000Medallion® Qualification Miles (MQMs)†

The Gold (Earn 60,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card

The Delta (Blue Membership.†Earn 10,000 Bonus Miles after you make $500 in purchases on your new Card in your first 3 months.†

[CreditCuriosity]

You would get approved most likely for 1-2k would be my guess as your utilization is getting up there.  With that said I would wait for a better offer on delta.  Believe high offer is 80-90k points vs. 50-60k points that you mentioned.   I recently did the business Gold Amex for 80k and 3k spend and a $50 dollar statement credit.  

So long story short would most likely be approved, but i would wait for when the better offers come.

If you don't fly then I would just apply for any of their cards as they all have essentially the same UW standards and apply for the one that works best for you

[GatorGuy]

I think the Delta platinum makes the most sense for you. Your SUBs are pretty low. I don't know if you would qualify for the business version but it has a little higher SUB than the presonal. My referral shows 95k miles currently. But of course you would have to have business income. 

Even though it doesn't show the platinum specifically, if you are qualified for the reserve then you should be fine getting approved. Good luck!

[Anonymous]

Thank you for the advice. I think I will wait till I pay down the cards a littel more and I will also wait a couple more months to see if I can get a better deal with Amex.