I work overseas and tend to travel a lot. I noticed that my company uses Delta Airlines and operates several smaller ones to send employees home on scheduled leave and decided to capitalize on possible reward miles. I read that the Gold Delta Skymiles American Express card was one of the easier AMEX cards to get. I cold apped and was approved with a SL of $5,000. These were my stats prior to submitting the application:
EQ (Fico 8) - 622 (14) Inq
TU (Fico 8) - 621 (8) Inq
EXP (Fico 8) - 666 (7) Inq
(5) Additional inquries since last report through MyFico and three new accounts.
(3) Collections reported, (2) PIF, (1) Paying as agreed. Utilization is at 8%, (2) Late payments reported in the last year
I also read that it was possible to apply for the AMEX PRG or Platinum with the same hard pull. I took another chance and was instantly approved for the AMEX PRG. Makes me wish that I tried for the Platinum. Once again, I could not have done this without the knowledge and experience contained in these forums. Thank you all! Finally, I was thinking of getting a secured NRewards card through Navy Fed since I am member. I was denied the CashRewards card two months ago and I will be in a good position for a possible early graduation with it in 2017. In the last month during my app spree, I was denied a secured CC with Citi, BankAmericard Cash Rewards from BOA (They countered with a $99/$500 SL secured version which I took), denied a Discover It, approved for a Barclay's Rewards MC with a $1500 SL, and now the two AMEX cards. Should I get the secured NRewards card from Navy Fed or just go to the Garden? Thanks for taking the time to read this post and any opinions would be appreciated!
