I've wanted an AMEX forever and it's been one of the top reasons I wanted to fix my credit.
The Delta AMEX and an AMEX Platinum are what I've been working towards; both work best for my lifestyle.
Last Tuesday, I paid a charged off account in full. I previously paid off 2 other charge off's and this was the last.
Today, I got an experian app alert that it was reflected and my score jumped 38 points (!) to 661.
I decided to pre-qualify to see if I got any hits. I usually get no hits so I wasn't too optimistic.
Unfroze my experian and saw 3 of the co branded cards when I pre-apped: Delta, Hilton Surpass and Hilton Aspire.
I checked the rates and saw an APR range and got cold feet...
Spent most of the day thinking about it and said what the heck.
Decided to app and knew it was approved when I got to the screen asking if I wanted to add an AU.
Approved for $1K limit. Plan to CLI in 3 months.
So happy! I'm going to keep improving my credit to eventually get the platinum.
DP's:
Total credit - $15K
Highest limit is $5000
Credit utilization is 19%. Will be about 8% in a month.
Only baddies are some late payments from 2 years ago on my Cap. 1 cards.
Going to try goodwill letters to remove.
Success!!!
Congrats on getting in with one of your goal cards 
Treat it well and they can give back. Keep watching your preapprovals in your account once you set it up - you may see the Platinum come up and it's got a killer SUB right now. I jumped on it earlier this month and love it so far
Grats on meeting your goal of the AMEX!!
Congrats on the approval. I know how you feel. Amex was big on my list when I started fixing up my credit. Cheers!
Congratulations on your approval!!
@SophieHowl wrote:I've wanted an AMEX forever and it's been one of the top reasons I wanted to fix my credit.
The Delta AMEX and an AMEX Platinum are what I've been working towards; both work best for my lifestyle.
Last Tuesday, I paid a charged off account in full. I previously paid off 2 other charge off's and this was the last.
Today, I got an experian app alert that it was reflected and my score jumped 38 points (!) to 661.
I decided to pre-qualify to see if I got any hits. I usually get no hits so I wasn't too optimistic.
Unfroze my experian and saw 3 of the co branded cards when I pre-apped: Delta, Hilton Surpass and Hilton Aspire.
I checked the rates and saw an APR range and got cold feet...
Spent most of the day thinking about it and said what the heck.
Decided to app and knew it was approved when I got to the screen asking if I wanted to add an AU.
Approved for $1K limit. Plan to CLI in 3 months.
So happy! I'm going to keep improving my credit to eventually get the platinum.
DP's:
Total credit - $15K
Highest limit is $5000
Credit utilization is 19%. Will be about 8% in a month.
Only baddies are some late payments from 2 years ago on my Cap. 1 cards.
Going to try goodwill letters to remove.
Success!!!
Congratulations. I felt the same way about Amex!
