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AMEX Approvals, Finally.

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Valued Member

AMEX Approvals, Finally.

Happy to share some good news on the forum.  I burned AMEX about 20 years ago for ~3k and have been a citizen of the blacklist for a long, long time.  In November of 2017 I cold app'd for the PRG and was approved.  Despite having an EX FICO in the mid 700s I have been invariably denied for any other of thier cards (revolving or charge).  I would typically app for one (or more) about once a month or so with denials every time.  I recently took a new position at my employer requiring a lot of travel.  Accordingly, I have been going after the AMEX Platinum charge and the Delta Plat (fly them exclusively).  I run about $2500/mo through the PRG and PIF early. 

 

Anyway, this weekend I app'd for the Delta plat and was approved with a $1400 SL.  I sat and stared with my mouth open at the screen waiting to be redirected to the denial page.  Also decided to app for the platinum charge and was approved instantly.  I think I was in shock for about an hour.  

 

Interestingly, between my last denial (about a month prior) and my approvals on Saturday, I was issued an AMEX corp card from my employer (fully backed by them, I have no liability to AMEX).  AMEX HP'd me for it.  While I have no evidence to suggest this was a factor in my approvals, it sure does seem coincidental.  I'm wondering if the corp card had an impact on AMEX's internal risk models.  

 

My DP's

EX FICO 8 - 719 (no derogs, lates, etc... score is weakened due to new recent accounts and inq's)

Income - 220K (W2)

AAoA - 3y 7m

 

I'd like to know if my Delta platinum approval with the $1400 SL is part of AMEX's 'credit steps' program.  I'm hoping to get a 61d 3x CLI.  

Thanks!

 

 

 

Message 1 of 20
19 REPLIES 19
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Senior Contributor

Re: AMEX Approvals, Finally.

Congrats on your approval !!!!

 

 

 

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 2 of 20
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Frequent Contributor

Re: AMEX Approvals, Finally.


@charp150 wrote:

 

 

I'd like to know if my Delta platinum approval with the $1400 SL is part of AMEX's 'credit steps' program.  I'm hoping to get a 61d 3x CLI.  

Thanks!

 


If it is, you should get an email describing that, specifically.

Message 3 of 20
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Valued Contributor

Re: AMEX Approvals, Finally.

Congrats on your approvals! It must feel great to be off of Amex's blacklist!


Scores - All bureaus 756 +
TCL - Est. $275K
Message 4 of 20
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Valued Contributor

Re: AMEX Approvals, Finally.

Congrats on the approvals, nice to be back in the family right! The Platinum should benefit your travels pretty significantly.


Message 5 of 20
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Established Contributor

Re: AMEX Approvals, Finally.

Congratulations!

Current Scores & Increase since May 2020:

EX: 701 (+38)| TU: 692 (+32)| EQ: 681 (+36)| TU Fico 9: 704

Next Goal: Min. 700 w/all CRAs

Subsequent Goal: Chase FU

Gardening Until: 06/01/2021| App: 5/26/2020
Message 6 of 20
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Regular Contributor

Re: AMEX Approvals, Finally.

Congratulations. Amex bought me in from the dark side last year also. AEEFED7C-36EC-4DFB-8840-78474C93A5BD.gif




Message 7 of 20
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Frequent Contributor

Re: AMEX Approvals, Finally.

Congrates on the approvalCongratulations_misti.gif

 



Message 8 of 20
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Established Contributor

Re: AMEX Approvals, Finally.

Congrats on the approval!Smiley Very Happy




Message 9 of 20
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Valued Contributor

Re: AMEX Approvals, Finally.

No. Your card is not in the credit steps program. You are eligible for 3X CLI in 61 days.

Welcome back to the club.
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