Amex Delta SkyMiles or Green card approval possibility

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amex1722
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Amex Delta SkyMiles or Green card approval possibility

Postby amex1722 » Mon Apr 28, 2014 9:06 am

Hi. Do you think a person with 6-7 months credit history has a good chance at approval for the AmEx Delta SkyMiles, Green, or even a Blue? $500 Cap one, $300 USAA college card and $1,500 Discover it. And an auto loan. On TU, 662 at the moment. No lates, payed of all the balance most of months. Six INQ on TU. Are charge cards easier or revolver LS for a first time Amex member to get? Thanks.


linuxmachine
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Postby linuxmachine » Mon Apr 28, 2014 3:15 pm

amex1722 wrote:Hi. Do you think a person with 6-7 months credit history has a good chance at approval for the AmEx Delta SkyMiles, Green, or even a Blue? $500 Cap one, $300 USAA college card and $1,500 Discover it. And an auto loan. On TU, 662 at the moment. No lates, payed of all the balance most of months. Six INQ on TU. Are charge cards easier or revolver LS for a first time Amex member to get? Thanks.


probably not. but you are free to try anyways. stranger things have occurred.

benhollberg
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Postby benhollberg » Mon Apr 28, 2014 10:47 pm

I have heard that the AMEX Gold Skymiles is one the easier, or easiest, AMEX cards to get. It's not a good card to have if you don't travel or spend a lot of money. I suggest waiting and go for a cash back AMEX card.
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grifenhagen
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Postby grifenhagen » Mon Apr 28, 2014 11:12 pm

i was approved for an amex BCE with a 1k limit with only 3 months of history with a capital one journey student card with a 300 limit.
the more i think about it, the odder i find it that they approved me.

amex1722
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Postby amex1722 » Tue Apr 29, 2014 7:15 am

Wow. I have the cap 1 journey, and when I first started applying for anything and everything it was straight denials. So it's agreed that charge card isn't necessarily easier to get? Thx

thom02099
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Postby thom02099 » Tue Apr 29, 2014 9:17 am

amex1722 wrote:Hi. Do you think a person with 6-7 months credit history has a good chance at approval for the AmEx Delta SkyMiles, Green, or even a Blue? $500 Cap one, $300 USAA college card and $1,500 Discover it. And an auto loan. On TU, 662 at the moment. No lates, payed of all the balance most of months. Six INQ on TU. Are charge cards easier or revolver LS for a first time Amex member to get? Thanks.



With AMEX, your Experian score is more important than a TU score. And the TU score you noted -- is that a FICO score, or a score from the TU website or other FAKO score? If that's the TU score you got from Discover, it's a FICO TU08 model, which is the latest version. Those TU scores seem to be a bit higher than some of the other scores, the EX08 score and the EQ Beacon 5.0 or 9.0. If your EX score is lower than that 662, anecdotally you're less likely to get any AMEX card, than if your score was closer to 700.

That said, again, anecdotally the Delta SkyMiles card is reportedly the easiest card to get, as it's a co-branded card and the underwriting is a bit more relaxed. There are reports of folks getting approved for that card with scores as low as the 620s; with everything creditwise, YMMV. And the underwriting for the Green card is reportedly more relaxed than that for the revolvers. My guess is though, that you'd be declined for a revolver and for a Green it could be iffy. Personally, I don't think you're quite there yet for anything beyond the Delta SkyMiles card.
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HotrodBill
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Postby HotrodBill » Wed Apr 30, 2014 6:11 am

I'd try for the delta gold and if approved, go right for the green/gold charge card. I went for the green card first and after being approved called in for the delta and was approved. They use the same credit pull if you do it in the same day.
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YungTPS
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Postby YungTPS » Wed Apr 30, 2014 8:11 am

I think you have a chance of getting approved for the Gold Delta. It's probably the easiest Amex card to get. Charge Cards are said to be easier to get. I don't have one either. I'm looking at the PRG, but i was thinking it's best to wait till next year for me. But go for it. Keep in mind that these cards you're talking about all have AFs attached to them. Keep that in mind too. I got the Gold Delta because i figured i'll go on vacation at least once a year and my GF likes to bring her whole room with her. I didn't feel like arguing with her every year, so i figured i'll pack a carry up and let her use my luggage and hers while i just buy my necessities at the destination.

randeman
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Postby randeman » Sun May 04, 2014 12:29 pm

I was approved for the Gold SkyMiles Amex today with a score of 681 and a two year old judgment (oops) on my CR. I was declined in 2012 (after the judgment--and I even went through the "back door" to appeal), and declined again one year later. Third time is a charm, and I was tickled to death to get it. Moral of the story: apply. As my mom used to say, "The worst they can say is no, and the absolute worst they can say is HELL no!" If they turn you down, apply again in 6-12 mos.

Sidebar: I can't help but wonder if the fact that I have a United MileagePlus Signature card helped me get the Delta card. Competition, you know.
Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).

amex1722
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Postby amex1722 » Sun May 04, 2014 12:34 pm

Wow congrats, that might have a had an influence on you getting it but I doubt it. Score is up to 673 on TU and 710 on EX. I just keep thinking that inqueries might have to do. I've called barclays number and a local bank and have both stated too many inqueries. And I don't know how nice amex backdoor would be. Thx for respobsed



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