The Delta Gold Amex is supposed to be the easiest revolving card to get from Amex, but I was denied in August for the card with a 713 EX FICO and the letter listed about five reasons. On a lark, I applied for the Green Card a couple months later and was approved. Less than a week later, I applied for a Blue Cash Everyday card(which is supposed to be harder than the Delta Gold to get) and was also approved. So you might be better off applying for a charge card(which seems to be easier to get) such as the Green or the Preferred Rewards Gold and once approved, apply for the Delta Gold. Amex seems to relax their criteria for members of the "Amex family."
sdfd504 wrote: I have no monthly bills at the time to help with the score due to living with a roommate and no bills in my name.
Having "bills in your name" does not affect your credit report/score in any way, unless those bills become seriously delinquent and go into collections.
sdfd504 wrote: Would opening a Delta Gold Amex card hurt my score any since I opened my last card in July and would I be able to obtain the card with my score? I am starting to travel more now and would like to have the sky miles.
Opening any card is likely to ding your score for a month or two at least, but in the long term can potentially help your score. That's especially true with Amex and especially at your age. Let's say you get approved for an Amex card today and remain an Amex card holder. Twenty years from now... Amex comes out with the "Amex Latinum Card." It comes with a 10% reward on fuel for your flying car. A few other cards have the same bonus but only Amex backdates, so the decision is easy. If you get the other cards, your score will go down since they report as new credit. If you get the Latinum card, your score is likely to go up since it will report as a twenty year old line of credit increasing your AAoA.
In my Wallet:
Sometimes in my Wallet:
- Amex PRG NPSL[3-14, bd 91]
- Sallie Mae MC $8000[1-14]
- Chase Freedom $4700[1-14]
- Discover It $2750[8-13]
- BoA UCF Alumni Cash Rewards $5000 [3-15]
- GM BuyPower WEMC $5000[9-14]
- Wells Fargo Propel 365 Amex $7000[4-14]
- Barclay Arrival WEMC $7000[3-14]
- BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450