AMEX Delta Gold Approved - myFICO® Forums - 5445750

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So I just got back with AMEX last October after being blacklisted for 5 years ( all previous balance are now paid ). Started with Green Charge Card but Declined for a Revolver. Waited another month and still Declined with no HP. Keep using the Green Card and paid in full and tonight Xmas Eve, got pre-approval for the Delta Gold and pulled the trigger.....approved with not a SL I was hoping for (1K and no HP) but it's a good start for me. All scores below are current. Thanks for all the knowledge here and Merry Christmas!

AAoA 6yrs 3mos | Inquries: TU5/EQ5/EX8 | Utilization: 9% | Mortgage: 1 | Auto Loan: 2 | Personal Loan: 2 | Derogatory: 0

Citi Custom Cash $4,000

US Bank Platinum $5,000

Chase Sapphire Preferred $15,000

Chase Amazon VISA $3,000

Chase Southwest VISA $7,000

Overstock $24,150

Discover It Cash $3,800

Discover It $14,500

AMEX Business Bonvoy $10,000

AMEX Business Cash $6,000

Amex Hilton Surpass $5,000

Amex Delta Skymiles $6,000

New York & Co $4,000

BrylaneHome $4,000

Macy's Store Card $8,600

Macy's Amex $25,000

AU TJ Max $10,000

AU Cap1 Walmart $5,500

Amazon Prime Store Card $10,000

PayPal World MC $20,000

PenFed Power Cash Rewards $17,500

PenFed Platinum $15,000

Capital One Quicksilver $3,500

Apple Card $4,500

Aspiration Zero $20,000

GAP Barclays $3,000

Venmo Visa $15,000

X1 VISA $26,000

Gemini MC $15,000

BoA Americard $14,000

Wells Fargo Autograph $2,500

Alliant VISA $8,000

Citi Costco AU $10,000

> >CREDIT UNION

Navy Federal Credit Union: Savings/Checking

Langley Federal Credit Union: Savings/Checking

University of Hawaii Credit Union

Alliant Credit Union: Savings/Checking

PenFed Credit Union: Savings/PL

EX- 585, TU- 583, EQ- 563 | CURRENT SCORE UPDATED: 2/2023 -> FICO 8 EX 754 TU 741 EQ 755 | FICO 9 EX 747 EQ 763 TU 756

Message 1 of 5

4 REPLIES 4

Congratulations on your approval!!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

NFCU Flagship | $10,500 | August 2018

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

Message 2 of 5

Congrats.

I hope you scored a fat signup bonus

Amex Lowe's Business Rewards $10,000

Amex Blue Business Plus $10,000

PayPal Cashback $10,000

Ducks Unlimited Visa $7,000

MLB Mastercard $7,000

Citi Double Cash $5,000

BofA Cash Rewards $5,000

Chase Freedom Unlimited $4,500

Amazon Rewards Visa $3,000

Chase Freedom $3,000

Discover it $3,000

Walmart Mastercard $3,000

Uber Visa $3,000

Discover it Miles $3,000

Amex Blue Cash Everyday $2,000

Marvel Mastercard $2,000

Amex Everyday $2,000

Amex Cash Magnet $1,000

HSBC Platinum Rewards $1,000

Sam's Club Mastercard $1,000

Union Bank Rewards $1,000

Amex Hilton Honors $1,000

Disney Visa $1,000

HSBC Cash Rewards $1,000

Capital One Quicksilver $1,000

Amex Blue Delta SkyMiles $1,000

US Bank Cash+ $1,000

US Bank Altitude Go $500

Message 3 of 5

Congratulations on the approval, the SL will grow in no time.

EQUIFAX FICO® Score 8: 836

CURRENTLY GARDENING

Former Submariner, Proud to have served

"Total revolving credit $286,000 Current UTIL >1%"

Message 4 of 5

Congrats on your approval!

Message 5 of 5