Delta/Amex

[Anonymous]

Any tier could be supported by any salary - it comes down to responsible spending. Amex feels your profile supports Plat or Gold, and prequals with them typically are solid. Their risk is lessened on a charge card because it’s due in full each month, and purchases are approved/denied in real time. Getting one and running it responsibly likely will open doors to revolvers with them. Assess your spend accurately to pick the right one. Plat is a heavy travel card and Gold is a daily driver.

[mikesonthemend]

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@Anonymous wrote:

Went with the Discover Scorecard EX FICO is 645. Showing only 2 inquiries in the last 12 months on the Scorecard Site. No Cards of my own. Difference in scores was from Credit Karma.

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See if you are pre-qualified with Amex. My guess is the Delta Gold will be your only option. It is a great card to start with if you fly Delta.

[Anonymous]

Delta and Hilton cards are good ways in, however in post 8 OP stated prequal for Plat and Gold. OP, if you app and are denied, app immediately for a cobranded revolver if one fits your lifestyle - you may well be given one and possibly on the same HP as well.

[Anonymous]

Just got approved for the Delta Platinum! Thanks for all the tips!

Also, can someone let me know what a "revolver" is? And what is the difference?

[Anonymous]

Excellent and congrats! A revolver is a “credit card” in that you charge and have a minimum payment that’s required, but you can carry a balance. Your Delta is one - you could charge $260, have a min payment of $39, pay that by the due date, and you’re good to go. All the cobranded cards and the core cards are revolvers. You can “revolve” a balance on the card rather than being required to pay in full each month.

Green, Gold, and Platinum are charge cards, where the full balance is due at the end of the month. Charge $260, and you’ll owe the full $260 on the due date. There are exceptions to it but that’s the gist of it.

[FinStar]

Congrats on the approval @Anonymous. Well done.

Locking this thread as you have been approved. Feel free to start a new approval thread in the Approvals forum if you would like to do so.