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I can’t believe it! Approved for Delta Skymiles Amex Reserve 🥰

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Anonymous
Not applicable

Re: I can’t believe it! Approved for Delta Skymiles Amex Reserve 🥰

Congrats on your shiny new AMEX! 

Message 21 of 35
coreyb80
Super Contributor

Re: I can’t believe it! Approved for Delta Skymiles Amex Reserve 🥰

Congrats on the approval!

Message 22 of 35
BAD_UP
Established Contributor

Re: I can’t believe it! Approved for Delta Skymiles Amex Reserve 🥰

Congrats on your Amex Delta Skymiles Approval🎉👍




Starting Score: 541
Nov 15 2020 score: EQ FICO8 635, TU8 636, EX8 644
Dec 15 2020 score: EQ FICO8 633, TU8 658, EX8 661
Jan 15 2021 Score EQ FICO8 698, TU8 689, EX8 706
Feb15 2021 Score EQ FICO8 704, TU8 702 , EX8 712 Goal Score: All Scores 760+,

In the garden since 1/28/21
Recently App. 1/3/21 & 1/23/21
What will you attempt to do if you knew could not Fail?
Message 23 of 35
Anonymous
Not applicable

Re: I can’t believe it! Approved for Delta Skymiles Amex Reserve 🥰

Way to go ghost!👀

Message 24 of 35
SEAlifer
Established Contributor

Re: I can’t believe it! Approved for Delta Skymiles Amex Reserve 🥰

Congratulations! I'll probably get one of their cards someday. They're the airline I probably use the second most and they are always sending me emails. Enjoy the SUB!

AU

Message 25 of 35
gdale6
Moderator Emeritus

Re: I can’t believe it! Approved for Delta Skymiles Amex Reserve 🥰

Nicely done, congrats on getting the reserve card Smiley Happy

Message 26 of 35
MyFault
Valued Contributor

Re: I can’t believe it! Approved for Delta Skymiles Amex Reserve 🥰

Congrats on your approval!






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Message 27 of 35
MartyWrite75
Valued Contributor

Re: I can’t believe it! Approved for Delta Skymiles Amex Reserve 🥰

Congratulations on your approval!

April 2024: Experian 769; Equifax 779; Transunion 781


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,200 (Sock drawer) || Discover It: $11,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $5,500 || Citi Custom Cash: $9,500 || Verizon VS Visa: $10,000 || Amex Hilton Honors: $10,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 10/2024(ideally)
Total Utilization: 11%
Inquiries: Exp: (1) Trans: (0) Equif: (0)

Message 28 of 35
Ghost_host999
Contributor

Re: I can’t believe it! Approved for Delta Skymiles Amex Reserve 🥰

Hey Guys! Thank you all so much Smiley Happy My new card just arrived (already!) and i have to say I'm pretty excited that it's one of metal ones! I know that's kind of silly but I thought only the gold was metal. 

Anyway a few people were asking about my current credit situation in regards to getting approved for this so here it all is. Like I said I have been really working at my credit for the last eight or so months and have made some really good progress. All my scores were in the mid 500s last year at this time and I honestly wasn't even that worried about it. I hadn't tried for new credit in ages and had a couple of cards that I was happy(ish) with. A Capital One QS1 $850 and a Secured American Express from USAA $3300 (they don't offer this anymore). I'm fairly certain that having that USAA Amex for the past 4 years had a little something to do with my approval yesterday. I never carried much of a balance and have an exeptional payment history. As far as the other stuff on my report I just had a charge off finally clear and I negotiated to get 6 late payments off my report, plus I paid to remove 2 small collections.  I currently still have 2 lates from an old Cap1 that I'm still working on but they're from 2016 so not terribly concerned. My current scores are: 

Equifax- 630

Experian- 673

Transunion-688

For all intents and purposes I should not have been approved for this card so you can imagine how shocked and excited I was! 


Starting FICO 8 Score (May 2020) : EQ-535, TU-550, EX-542
Current FICO 8 Score (May 2022) : EQ-718, TU-730, EX-724
Goal Scores: EQ-750, TU-750, EX-750



~USAA Secured American Express $3300~ ~NFCU Cash Rewards $6300~ ~Delta Skymiles Reserve Amex $8000~
~Venmo Visa Signature $8300~ ~Amazon Store Card $2800~ ~Care Credit $5500~
~Capital One Venture One $5000~ ~All Rewards $1000~
~GS Apple Card $3500~ ~Discover It Miles $5000~
~FNBO Evergreen $7800~ ~X1 Card $11,200~ ~Upgrade Triple Cash Rewards $25,000~
Message 29 of 35
Ghost_host999
Contributor

Re: I can’t believe it! Approved for Delta Skymiles Amex Reserve 🥰

@Ficoproblems247  Also I was wondering if you think I should close the credit one platinum account I opened in December of 2019 to help build my credit or keep it for a while longer? It now has a $1000 CL but I won't be using it anymore. Thanks for any input you may have. 


Starting FICO 8 Score (May 2020) : EQ-535, TU-550, EX-542
Current FICO 8 Score (May 2022) : EQ-718, TU-730, EX-724
Goal Scores: EQ-750, TU-750, EX-750



~USAA Secured American Express $3300~ ~NFCU Cash Rewards $6300~ ~Delta Skymiles Reserve Amex $8000~
~Venmo Visa Signature $8300~ ~Amazon Store Card $2800~ ~Care Credit $5500~
~Capital One Venture One $5000~ ~All Rewards $1000~
~GS Apple Card $3500~ ~Discover It Miles $5000~
~FNBO Evergreen $7800~ ~X1 Card $11,200~ ~Upgrade Triple Cash Rewards $25,000~
Message 30 of 35
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