Hello Ficoforums, I was "gardening" for a little bit but not really.
Long story short. I apped for the Delta gold Skymiles in order to take advangage of the 50K bonus I got on my email.
I have a BCE with 1K CL since feb. last year. Tried 3x CLI and declined. Debt ratio was hight at that time since I was in the process of buying a home and was trying to keep as much cash as possible for closing.
Anyways. approved for Delta with 1K SL .
In order to take advantage of the 2 X 1 I apped for the regulard Amex Gold charge card since the PRG is only @ 25K Bonus.
Any advice on the Delta card? should I wait and try for 3X CLI, call now and talk to someone for reconsideration, or any other suggestion you guys can give me?
EX = 696 according to MyFico
UTI = 25%
1 cargeoff PIF back in 2012
few lates from around that time as well.
Currently highest limit is Cap1 QS = 7,750
never late with amex BCE, multiple payments per month so I don't go over the 1K limit and currently at 0
Thanks in advance for your inputs!
Congratulations on your double AMEX approvals!
haha, no worries. I think people can read my mind and understand what I'm thinking sometimes.
When you apply for a revolver with Amex, you can apply for a charge card and it will count as 1 HP. thats what I meant by 2 X 1.
with the PRG, I agree is a waaay better card. However, the sign up bonus is at 25K points right now. Therefore, I rather wait for the sign up bonus to be at 60K+ points (preferably 100K) since the sign up bonus is one in a lifetime now, it wouldnt make sense to me to sign up for 25K for a card I don't really need at the moment