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Approved for AMEX Delta Gold after Denial!!

caramel25
Established Member

Approved for AMEX Delta Gold after Denial!!

So I am in the process of getting my credit "back on track" and it is very inspiring to read all of the info on this forum. You have been such a positive influence with my "credit repair" from Debt Validition letters to raising my credit score. Last night as I was reading some posts, I saw some threads regarding Amex pre-qualify offers. I decided to take the plunge to see if I would qualify. I received 1 offer for the Gold Delta Skymiles. I was excited to see this offer because this is the first "pre-qualify" offer that I have ever received from Amex. After submitting my info, they asked me some additional questions about my assets and then I was denied because of the following reason: 

 

"The amount of your annual income and/or financial assets known to us is insufficient in relation to the credit you've applied for and your overall debt obligations as reflected in our records and on your credit report."

 

So I started reading threads regarding Amex recon and the majority said that it was "rare" for Amex to reverse their decision.  Today, I called Amex and I had my speech prepared and the rep was able to find my denied application. He told me no worries, he would take care of it. He then read me a disclosure and he asked me what was my salary and the value of my financial assets. Before I could answer, he told me that I could also include my spouse's income (if I was over 21) if I "benefited" from it as well. This seemed weird to me because I thought you could only do this on joint applications and not individual applications. He kept stressing that to me and I thought, is he trying to tell me something? Anyway, after giving him the "revised" figures, he told me he had some exciting news for me..... I was approved! I couldn't believe it! I was doing the happy dance while I was driving. I also get 35,000 after spending $1,000 in 3 mos. I have always wanted an AMEX and I finally got it.

 

I wanted to thank this forum for helping me get my first Amex.......Smiley Very Happy

Message 1 of 15
14 REPLIES 14
AnikinsDarling
Frequent Contributor

Re: Approved for AMEX Delta Gold after Denial!!

Congrats on your successful recon!

Message 2 of 15
grower1
Frequent Contributor

Re: Approved for AMEX Delta Gold after Denial!!

Congrats!! Happy dances are the best! Smiley Very Happy




Message 3 of 15
19eighty5
Senior Contributor

Re: Approved for AMEX Delta Gold after Denial!!

Congratulations and welcome to the AMEX family! Great to see a successful AMEX recon as well.

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 4 of 15
Kevin5974
Frequent Contributor

Re: Approved for AMEX Delta Gold after Denial!!

Nice to get in with them. I started at sub 500 and Amex has extended well over 60k in credit to me. Use them often but PIG, unless 0%, and they will take care of you. Congrats!!

Starting Score: 475
Current Score: 649
Goal Score: 690


Take the myFICO Fitness Challenge
Message 5 of 15
caramel25
Established Member

Re: Approved for AMEX Delta Gold after Denial!!

What does PIG stand for? Thx
Message 6 of 15
Steve891
Senior Contributor

Re: Approved for AMEX Delta Gold after Denial!!

Congrats on your recon and approval!




Message 7 of 15
Xiang182838
Established Contributor

Re: Approved for AMEX Delta Gold after Denial!!

Congrats on the approval! Smiley Very Happy




Message 8 of 15
VoltronM
Senior Contributor

Re: Approved for AMEX Delta Gold after Denial!!

Congrats on approval after recon , very rare specially with AMex

 

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 9 of 15
Remedios
Moderator

Re: Approved for AMEX Delta Gold after Denial!!

OP, it may help others who are considering this card to list some additional data points such as your other cards, dates opened, utilization and income reported.

Congratulations on your approval
Message 10 of 15
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