Congrats on the approval after recon! Welcome to AMEX
Here is some info about me....
Current Credit Scores:
Experian - 628 (1 inquiry in 2018...which was Amex)
Equifax - 628 (2 inquiries in 2018)
Transunion - 622 (4 inquiries in 2018)
3 collections (removed 2 in last 6 mos)
Merrick Bank - May 2007, 99% util
C1 Quicksilver - June 2011, 91% util
Kohls - Aug 2017, 40% util
Discover It Secured - May 2016, 0% util
Macys - August 2002, 102% util
BOA Partially Secured - Oct 2017, 0% util
VS - Nov 2016, 35% util
Secured Navy Federal - June 2018, 0% util
Paypal Extra - Feb 2018, 39%util
Sams - June 2010, 100% util
Rooms To Go - May 2010, 16% util
Fingerhut - Dec 2014, 6% util
A few of the cards are maxed out but since I just starting working again, after being laid off 6 mos....I intend to pay them down as much as possible.
So much for AX never granting recons. Lol
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.......
Super Congrats on your Amex Delta Gold recon approval!
Yes, the Amex recon representative was "trying to tell you something."
You were smart enough to listen and to "revise" your income . Good for you!
Since you've been reading the forum, no doubt you've also learned
about the Amex "2 for 1", which is 1 revolving card (your Amex Delta)
plus 1 charge card (like Amex Green or PRG) on the same hard pull
within 30 days. If you're interested in a charge card, this option might
be worth your while.
One last Amex point: forum members like you who've been approved
for Amex have reported approvals for 2 Amex revolvers and 1 charge
card within 90 days. I'd recommend waiting at least 2 statement cycles
to give yourself some time to reduce the utilization on your high balance
cards (and boost your scores). But I wanted to share this just in case.
Congrats once again on your Amex success. Thanks for sharing!