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Amex Gold Delta and Discover It Pre Approvals...

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Amex Gold Delta and Discover It Pre Approvals...

Hey everyone! I'm super new to this forum (well, I've lurked on here from time to time since last year) and I wanted to share my happy news with you all. While it may not be much to some, it means the world to me right about now and I don't think I would've had the guts to do it had I not been encouraged by so many on this site. 

 

Brief history, 1 year ago this time I was sitting on a 505 FAKO credit score. YES 505 (dumb and poor college kid *Smiley Sad*)!! After putting some elbow grease into my credit game (and a full time job, lol), I now have a 668 FAKO. 

 

Tonight, I was feeling adventurous after some forum surfing and decided to check a couple of prequal CCs. Checked Discover and AMEX. I was preapproved for both with a single APR and no range. The Discover APR was a whopping 20% after 14 months at 0% but I was willing to go for it anyway as I plan to PIF each month. Approved for $4000 limit. OMG, I SCREAMED. Content for the day, I surfed through more forums and that AMEX preapproval kept itching away  - although even with the pre approval, I was still very hesitant to apply. I already have a corporate charge card through AMEX but figured that would have no impact on a personal card. Anywho, something came over me and I applied, expecting a denial and what did I get?? The dreaded 14 day message. I immediately called and the rep stated that they wanted to verify it was really me and so we did. Still nothing. Told me I'd get a letter about proving my address and should manually send in the documents it asked for in order to be considered. I thanked her and moved on. But something just wouldn't let me rest, so I called again. This time I spoke to a gentleman who told me that they are "not meaning to offend" me but they are having to take extra steps to prove it is me. Makes sense because around October, I had my wallet stolen and called Amex for a new corporate card and let them know the issue. So I guess it was somewhere in between that time and now that I got my new phone number which led to another hiccup - whoops. He said that I should have received a reference number on my trusted phone number to help push the process along. Welllll, I didn't. Now the rep sounds skeptical about me so I think to quickly say the old phone number and let him know that I now have a new phone number that I *thought* I updated on Amex's website. He opens up a little then and asks if the last rep confirmed my DL info, which she didn't. He then had me read the last  4 of my DL #, my current address, and info about my corporate card. THEN *drumroll* he says "Congrats, Ms. xxx, you are now an Amex member" I DIEDDDD, haha. And for my "troubles" they're rushing the card at no additional fee. Amex Gold Delta CL of $1k Smiley Happy 

 

From a 505 to a Discover & Amex in just a year is astounding to me and I couldn't have done it without you all on this site. I can't wait to join that 700 club!

 

7 REPLIES 7
Valued Contributor

Re: Amex Gold Delta and Discover It Pre Approvals...

Awesome job! Now go get those SkyMiles!
Welcome to the AMEX family.

In 61 days increase that Delta Gold to 3k
Message 2 of 8
New Member

Re: Amex Gold Delta and Discover It Pre Approvals...

Thanks and will do!!! Feels great to be part of the family Smiley Happy

Message 3 of 8
Senior Contributor

Re: Amex Gold Delta and Discover It Pre Approvals...

Major league congrats!




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>09/2019 CCT EX 829 TU 848 EQ 837
Jack Webb: "That figures. Now let me see if I got the facts straight here. Cleaning woman Clara Clifford discovered your clean copper clappers kept in a closet were copped by Claude Cooper the kleptomaniac from Cleveland. Now, is that about it?"
Message 4 of 8
New Contributor

Re: Amex Gold Delta and Discover It Pre Approvals...

 Congrats on the approvals. Welcome to families.  Awesome job pulling up your score.

You have to start somewhere, so HERE is THERE
Starting FICO 8 Score: 2-20-18 EQ 729 TU 698 EX 665
FICO 8 Score Upon entering the Garden: 3-14-18 EQ 719 TU 724 EX 681
Recent FICO 8 Score: 4-1-18 EQ 714 TU 721 EX 669
Goal Score: 750 across the board
The Good: all accounts current; utilization 8%
The Bad: 8 - 30 day lates (2013-2017); 3 60 day lates (2014-2016)
The Ugly: ONE CO 2014 - reporting as current CO on EXP (in dispute)


In the garden until March 2020
Message 5 of 8
Community Leader
Senior Contributor

Re: Amex Gold Delta and Discover It Pre Approvals...

Congrats on both approvals! 

AMEX Platinum, Gold, Reserve & SPG | Chase Marriott VS l SGV l PenFed PR VS | NFCU FS VS | Discover IT | Citibank DC WEMC l Capital One Venture VS | Nordstrom VS l Banana Republic LUXE V I Lowes I Macys I Wayfair I Target l
Got some pruning to do....but rebuild is complete. No more new cards!
Message 6 of 8
Community Leader
Super Contributor

Re: Amex Gold Delta and Discover It Pre Approvals...

Awesome jobSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 7 of 8
Member

Re: Amex Gold Delta and Discover It Pre Approvals...

Woo hoo!!  Way to go!  You have come a long way and well deserved approvals.  Take care of your new cards!

Starting Score: 634EQ, 617TU, 607EX
Current Score: 650EQ, 641TU, 645EX
Goal Score: 680 across the board


Take the myFICO Fitness Challenge
Message 8 of 8
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