@ACN323 wrote:My Experian bumped to 631 this morning after paying another chunk to my last CO. I hit the Amex pre-approval link and for the first time ever, was pre-approved for the Delta cards. The gold has been on my list for over a year now. I had a 70k miles SUB with 2k spend in the first 3 months, from Delta, and applied through that link. $1k starting limit, but I'm extremely thankful. This is the first card I've applied for outside of my two secured cards, in two years. I went to check my new acct info and didn't see my existing Delta SkyMiles in there, but I'll call Amex in a bit and get the deets. I'm thrilled to get my own foot in the door with Amex! Thanks for all of the amazing info on this forum, it's definitely a huge factor in where I am credit wise today. Hope everyone had a great Thanksgiving!
Seems like a good SUB. Congrats! It feels good to get past the secured cards. Thanks for adding the DP's as well.
@ACN323 wrote:@spiritcraft1 Thanks!
YW. I also got into AMEX with a low EX but on the business side. The DW got a personal Gold Charge Card at 621. All prior to covid however. I guess sometimes the must see profiles on the rise and approve with low scores. I still can't seem to get any kind of revolver but will soon enough when EX scores jump after clearing up. At least you are in and will be showing them you are a good risk. It will also look good long term on your reports. Nice job.
@ACN323 wrote:@spiritcraft1 that was my thought too. Thank you! I mean I do have one CO but that should be PIF within a few days. I will attempt a GW afterwards and hope for the best. My other 2 trade lines are all clean with 2 yrs excellent payment history, plus the one AU acct with perfect payment history. I have no balances on the other cards, and 75k income, so I guess they were willing to take the risk!? Happy they did! Fingers crossed you can get that revolver soon!
Once that CO reports a zero balance you should get a good score boost. My EX will be in the 700's by Feb or March and into the 800's likely late Spring. I am following the DW who had DOFD dates just ahead of me. I still have 7 or 8 negative accounts on EX and they will start falling off next month.
Congratulations on your approval!
