@ramblinggirl wrote:How hard it is to get approved for Delta Amex? I'm also thinking a about a Citicard- Citi double cash or Citi simplicity. I'm asking for a relative. Couple baddies fell off in Nov. Said credit score in mid 700's
Amex Delta is relatively easy to get.
@ramblinggirl wrote:How hard it is to get approved for Delta Amex? I'm also thinking a about a Citicard- Citi double cash or Citi simplicity. I'm asking for a relative. Couple baddies fell off in Nov. Said credit score in mid 700's
The Delta Amex isn't too difficult to get, however if your relative is considering a Citi card I would app with them first since Citi can be HP sensitive while Amex generally isn't.
Also, I would only app for the Delta Amex if it would actually be useful, since with scores in the mid 700s any Amex should be within reach. Also, FWIW my personal experience on the Delta Gold was different from many; I was approved for $1k on the Delta Gold, while seven months later I was approved for an Amex Everyday card for $8k.
Good luck, and let us know how it goes! 
@UncleB wrote:
@ramblinggirl wrote:How hard it is to get approved for Delta Amex? I'm also thinking a about a Citicard- Citi double cash or Citi simplicity. I'm asking for a relative. Couple baddies fell off in Nov. Said credit score in mid 700's
The Delta Amex isn't too difficult to get, however if your relative is considering a Citi card I would app with them first since Citi can be HP sensitive while Amex generally isn't.
Also, I would only app for the Delta Amex if it would actually be useful, since with scores in the mid 700s any Amex should be within reach. Also, FWIW my personal experience on the Delta Gold was different from many; I was approved for $1k on the Delta Gold, while seven months later I was approved for an Amex Everyday card for $8k.
Good luck, and let us know how it goes!
for citi-which would you go for-the doublecash or simplicity. They are both 0% for balance transfer- 1 for 12 months the other for 18months but higher percentage rate after balance transfer is over
@ramblinggirl wrote:
@UncleB wrote:
@ramblinggirl wrote:How hard it is to get approved for Delta Amex? I'm also thinking a about a Citicard- Citi double cash or Citi simplicity. I'm asking for a relative. Couple baddies fell off in Nov. Said credit score in mid 700's
The Delta Amex isn't too difficult to get, however if your relative is considering a Citi card I would app with them first since Citi can be HP sensitive while Amex generally isn't.
Also, I would only app for the Delta Amex if it would actually be useful, since with scores in the mid 700s any Amex should be within reach. Also, FWIW my personal experience on the Delta Gold was different from many; I was approved for $1k on the Delta Gold, while seven months later I was approved for an Amex Everyday card for $8k.
Good luck, and let us know how it goes!
for citi-which would you go for-the doublecash or simplicity. They are both 0% for balance transfer- 1 for 12 months the other for 18months but higher percentage rate after balance transfer is over
You'll find various opinions on here, but I can tell you what I did... I got the Diamond Preferred, since it had a 21 month BT promo. 
At the time I applied, the offer on the Simplicity was similar but many have reported having trouble later changing the Simplicity to a DoubleCash while changing the Diamond Preferred later usually isn't a problem.
My offer for the Diamond Preferred did have an APR that was 1% higher, but many people have reported success with getting APR reductions on Citi cards once the promo expires, so I didn't worry too much about the initial rate.
5500 is a relatively good approval, remembering 3x
3000k , to me above average sl from stingy Citi
14,000 from Boa is ridonkulous limit
3000k , to me above average sl from stingy Citi
14,000 from Boa is ridonkulous limit