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Amex approval!

Established Member

Amex approval!

So I've been checking the Amex prequal site every few days for a couple months now and always nothing.


Tonight it said I prequalified for delta sky miles gold, blue, and platinum. I wanted platinum because it's platinum and a nice sub but I couldn't justify the 250 annual fee.


so I applied for gold and got approved. Only $1k but I'm ok with that. My fico 8 scores are:

EQ 646

TU 640

EX 634


I'm in the process of rebuilding and so I'm just super happy to get the card. 

thick file but have two remaining collections I'm working on and my student loans have some lates from 5 years ago. Rehabbed them 2+ years ago and everything has been paid on time since then.


when I got the prequal, it said I would get 35,000 bonus miles if I spent $1k in three months. But I don't see any reference to that since the prequal page. Any way to check I still get that?


so excited!


Part of me wants to see what else I can get approved for. Other part wants to keep repairing and come back when I'm closer to, or over 700 with baddies cleaned up. I think I'll wait.


how is Amex delta gold on credit line increases?

Message 1 of 16
Super Contributor

Re: Amex approval!

Congratulations on your approval!
Message 2 of 16
Established Contributor

Re: Amex approval!

Congratulations 🎉🎊🎈 on your approval.

CARDS: Discover It | QuickSilver One | Kohl’s | BB&T Spectrum Cash Rewards | BB&T Bright | NFCU CashRewards | NFCU More Rewards | AMEX BCE | Verizon Visa | Wells Fargo Platinum | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 3 of 16
Valued Contributor

Re: Amex approval!

Congratulations on your new Amex Gold approval! 

Current as of February 21st
TCL $126.6 - 2.#%UTL || - SL Balance $20.6K
FICO 08 EQ723, TU725, EX725 || Mortgage Scores: EQ 724, Tu 694, EX 726


Restarted my rebuild in April 2018

Gardening until Emerald Spade - Accomplished. 1st App on the list is AODFCU, next is TBD
Last apps: (2) August 18, 2019. Instant approvals but one account opened on the 19th
Inquiries: EQ/TU/EX (0 / 3 / 1) - 0/6 0/12 4/24 (based on DPs; 5/24, an AU from 8/16/2019) IHG
Dirty/Thick/Aged/ No New Acoounts

Message 4 of 16
Established Contributor

Re: Amex approval!

Congrats on your approval! To answer a few of your questions, if you have 3 or more revolvers including your new Delta, my vote is you garden but that is ultimately up to you. AMEX can be very generous with increases, but it is very highly unlikely they will grant you one until your COs fall of your report. You may request up to 3X your current line. I recommend reading the definitive 3X AMEX CLI guide for a TON of info. I doubt the old lates on the student loans will cause much concern from them. You should be getting the sub, but there is no where to keep track of it, unfortunately. The only time you would not get it, AMEX would have clearly stated during the application process you would not be eligible. Good job going for the gold instead of platinum if you didn't see much value in the higher card. It only takes 1-2 Delta flights per year to overcome the AF on the gold. Congrats and welcome to the AMEX family. Smiley Happy

FICO 8 Feb '21: EX 748 EQ 744 TU 738
"Friends don't let friends earn 1% cash back."
Message 5 of 16
Super Contributor

Re: Amex approval!

Congratulations on your new Amex approval!

Message 6 of 16
Valued Contributor

Re: Amex approval!

Congratulations on your Amex approval!

Current Cards (in order of approval):

Current FICO 8:

Credit Age:

Inquiries (24 month):

Goal Cards:

Currently: 0/6, 0/12, 3/24
Message 7 of 16
Established Contributor

Re: Amex approval!


Message 8 of 16

Re: Amex approval!

Grats on your Amex approval Smiley Happy

Message 9 of 16
Valued Contributor

Re: Amex approval!

That's terrific!  Congratulations on your approval!! 🎉🥂

Message 10 of 16
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