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Amex Delta Gold and Amex Green Approved at 36,000'

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Amex Delta Gold and Amex Green Approved at 36,000'

 I am currently on my flight from Seattle to Hong Kong and had some down time and an internet connection, so I thought I would give American Express another shot. 

 

Over the last year I have been working on improving my credit profile as I was a bit foolish in my youth and have managed to slowly move away from secured credit cards, decrease utilization, and increase my FICO score's by 100+ points.

 

Back in February 2016 I tested the waters with Amex and found a pre-approval offer on their site for a Delta Gold, Platinum, and Everyday. I knew it was too good to be true as I had a few collections in my EX profile, high utilization, and a low Ex of 616. After applying for the Delta Gold card I received the 7-10 day message which then became a denial after a week. When I received the letter is stated; low credit score, degrogitory public records (i.e. collections), and high utilization. 

 

Fast forward to June 2016, and I was able to  PFD 2 collection accounts, have 1 removed, bring down my utilization from 91% to 28%, and increase my score 20 points. While I believed that my score was still low for Amex I was able to clean up all of the other factors they listed and thought why not give it a shot. So 6.5 hrs into my flight I submitted the first application for the Amex Green Charge Account. I figured it would be a 50/50 shot so after hitting submit I waited an agonizing 4.5 minutes, since the in-flight Internet is slow as a snail, then magically it said "Approved"!!!!

 

I was ecstatic as I have been waiting years to re-join the amex family. After reading that you can submit a Charge Card App and a Revolver App from the same HP I went ahead and submitted another app for the Delta Gold which was also instantly approved for $1,000.00.

 

So it appears that there is no hard and fast rule for American Express. As some people say you need at least a 660, others that get declined with scores in the 700's and me with a low 636. 

 

 

Current Stats

EX 636

AAoA: 2 Yrs

Ex Inq:  11

Utl: 28%

Total Credit $14,600

 


Capital One Spark $1,600, Barclays Rewards $3,000,Amex Green NPSL, Amex Delta Gold $1,000, Amazon Store Card $1,100, Walmart Store Card $2500, QVC $2000, Khols $700

Starting 2/20 EQU-540 TU-588 EXP-530
Current 6/19 EQ-656 TU-645 EX-636
Message 1 of 15
14 REPLIES 14
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Valued Contributor

Re: Amex Delta Gold and Amex Green Approved at 36,000'

Congrats. That's an interesting.way to app...up in the sky! I'm sure the wait on the approval couldn't come fast enough!
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 2 of 15
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Frequent Contributor

Re: Amex Delta Gold and Amex Green Approved at 36,000'

LMAO!!! Classic approval! Congrats OP.

"Though You Give up Your Life, Do Not Give up Your Honor." - Miyamoto Musashi

"I Love The Name of Honor, More Than I Fear Death." - Julius Caesar

*Currently at 5.6% bodyfat Smiley Tongue AimED for 5.6% Smiley Tongue
Message 3 of 15
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Valued Contributor

Re: Amex Delta Gold and Amex Green Approved at 36,000'

Congrats!!! That's awesome!!! Don't forget to apply for a CLI in 61 days from the date of your approval. 

Message 4 of 15
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Established Contributor

Re: Amex Delta Gold and Amex Green Approved at 36,000'

Congrats Jet Setter and Mile High Club member!

Message 5 of 15
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Super Contributor

Re: Amex Delta Gold and Amex Green Approved at 36,000'

Congrats



EX08 658 EQ08 664 TU08 672 Total Credit Line: 63,550Utilization: 19.4%Inquiries: EQ8 EX11 TU11
Message 6 of 15
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Established Contributor

Re: Amex Delta Gold and Amex Green Approved at 36,000'


@CMSA wrote:

Congrats Jet Setter and Mile High Club member!


Yep, CMSA, it does indeed give a whole new meaning to the Mile High Club!

 

Way to go, OP - as they say "the sky's the limit."

Over $200,000 in credit across 12 cards.

FICO ranges from 791 -824 as of 07/26/2019
Message 7 of 15
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Established Contributor

Re: Amex Delta Gold and Amex Green Approved at 36,000'


@daxx wrote:

 I am currently on my flight from Seattle to Hong Kong and had some down time and an internet connection, so I thought I would give American Express another shot. 

 

Over the last year I have been working on improving my credit profile as I was a bit foolish in my youth and have managed to slowly move away from secured credit cards, decrease utilization, and increase my FICO score's by 100+ points.

 

Back in February 2016 I tested the waters with Amex and found a pre-approval offer on their site for a Delta Gold, Platinum, and Everyday. I knew it was too good to be true as I had a few collections in my EX profile, high utilization, and a low Ex of 616. After applying for the Delta Gold card I received the 7-10 day message which then became a denial after a week. When I received the letter is stated; low credit score, degrogitory public records (i.e. collections), and high utilization. 

 

Fast forward to June 2016, and I was able to  PFD 2 collection accounts, have 1 removed, bring down my utilization from 91% to 28%, and increase my score 20 points. While I believed that my score was still low for Amex I was able to clean up all of the other factors they listed and thought why not give it a shot. So 6.5 hrs into my flight I submitted the first application for the Amex Green Charge Account. I figured it would be a 50/50 shot so after hitting submit I waited an agonizing 4.5 minutes, since the in-flight Internet is slow as a snail, then magically it said "Approved"!!!!

 

I was ecstatic as I have been waiting years to re-join the amex family. After reading that you can submit a Charge Card App and a Revolver App from the same HP I went ahead and submitted another app for the Delta Gold which was also instantly approved for $1,000.00.

 

So it appears that there is no hard and fast rule for American Express. As some people say you need at least a 660, others that get declined with scores in the 700's and me with a low 636. 

 

 

Current Stats

EX 636

AAoA: 2 Yrs

Ex Inq:  11

Utl: 28%

Total Credit $14,600

 


I was approved with the scores in my sig line june 3, 2016.  Even with all my inquires and such.  Starting limit 1k as well

Chapter 7 BK Discharge 09-16-19
589 - 11-12-19 Experian FICO Score 8
632 - 11-04-19 Experian VantageScore 3.0
643 - 11-12-19 Transunion VantageScore 3.0
616 - 11-12-19 Equifax VantageScore 3.0
580 - 10-25-19 Equifax FICO Score 5
Loans: 1 Student Loan Deferred, 2 Auto Loans, 1 Secured Loan
Credit Cards: 2 Visa Cards, 1 Mastercard; 1 Store Card $500/$1,400
Inquires: 17 Equifax, 32 Experian, 15 Transunion
Average Account Ages: 1Y10M Equifax, 3Y11M Experian, 2Y9M Transunion
Gardening till 03-2020
Message 8 of 15
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Super Contributor

Re: Amex Delta Gold and Amex Green Approved at 36,000'

Congratulations!!!

Message 9 of 15
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Established Contributor

Re: Amex Delta Gold and Amex Green Approved at 36,000'

Congrats on getting in. I heard (read) on here if starting with 1000 limit its really hard to get increase. With 1000 starting limits means it's their base and they taking a chance and most likely in 61 days ur score won't be in the range for them to increase

Message 10 of 15
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