ba0501 Posted May 2, 2007 Report Share Posted May 2, 2007 I did a little research earlier today on which AMEX card would be the easiest to get being that in the last 6 months they have declined me twice. I decided that I would apply for the Gold Delta Skymiles card. Thinking I would get declined again, I was surprised when they gave me an instant online approval. The credit limit was only $1000 but I'm hoping to get sum luv at activation and from the luv button! Thanks CIC! I used to think AMEX was only for the rich and famous, who knew! Link to comment Share on other sites More sharing options...
ridgerunner77 Posted May 2, 2007 Report Share Posted May 2, 2007 what was your score when you applied and did you have any baddies or derog or collections stuff like that on your credit reports.im trying to get one also Link to comment Share on other sites More sharing options...
ba0501 Posted May 2, 2007 Author Report Share Posted May 2, 2007 I will know more of the details tomorrow. But, I'm assuming they pulled either EQ or EXP. My EQ is clean with the most recent FICO being 698 and FAKO(TC) of 640. My EXP has 1 collection(Asset) which has recently been re-aged which caused my scores to fall(they're trying same thing with TU). My most recent EXP FICO was 627 and my FAKO(TC) was 577. Link to comment Share on other sites More sharing options...
ba0501 Posted May 2, 2007 Author Report Share Posted May 2, 2007 This is unbelievable! AMEX did pull EXP. So I just pulled my MYFICO EXP report and score one day after getting an AMEX. My score was 598. Asset was on there but I don't think it was being reported as a collection. When I pulled up the collection accounts, none was listed. It was with my regular accounts but showed seriously past due(90 days). I guess it is considered a late payment. I also had 13 inquiries. Some may have been lumped together due to being mortgage/auto inqs. I also pulled my TC reports this morning. My FAKO was 574 with the same info as the MYFICO report. I might have set an all-time low in score in being approved for an AMEX. Link to comment Share on other sites More sharing options...
lyle7289 Posted May 2, 2007 Report Share Posted May 2, 2007 CONGRATS!!!!!!!!!!!!I too am excited. I was just given a GREAT Card by my CU that has a low fixed APR% and $5000 limit!!!I could not resist and applied for the Amex Delta Sky Miles card as well and Voila, approved!!These are my cards since my credt repair journey started;AMEX Gold Delta Sky miles ?clHooters $2300 clCU Visa $5000Juniper US Airways MC $500 clOrchard Bank $500JC Pennies $300 cl Link to comment Share on other sites More sharing options...
ba0501 Posted May 2, 2007 Author Report Share Posted May 2, 2007 Congrats to you too! Did you get the 1000 limit? Were your scores as low as mine or higher? This may be an opportunity for people to get their foot in the door with AMEX. Link to comment Share on other sites More sharing options...
lyle7289 Posted May 2, 2007 Report Share Posted May 2, 2007 My FICO for Experien is around 650 + or - a few. I got so excited about the approval I forgot to ask the Cl I am happy with whatever it is.... Link to comment Share on other sites More sharing options...
LNY Posted May 3, 2007 Report Share Posted May 3, 2007 This is unbelievable! AMEX did pull EXP. So I just pulled my MYFICO EXP report and score one day after getting an AMEX. My score was 598. Asset was on there but I don't think it was being reported as a collection. When I pulled up the collection accounts, none was listed. It was with my regular accounts but showed seriously past due(90 days). I guess it is considered a late payment. I also had 13 inquiries. Some may have been lumped together due to being mortgage/auto inqs. I also pulled my TC reports this morning. My FAKO was 574 with the same info as the MYFICO report. I might have set an all-time low in score in being approved for an AMEX. Link to comment Share on other sites More sharing options...
Kat99 Posted June 9, 2007 Report Share Posted June 9, 2007 BA051, did you ever request the CL from Amex at activation? An Amex rep said they dont do that anymore so I dont want to take a chance unless people are still being successful? tnx Link to comment Share on other sites More sharing options...
Heath Posted June 10, 2007 Report Share Posted June 10, 2007 Holy Crap... I have been turned down twice in two months for the blue I think it was... I applied for this one... BAM, automatic approval with $2K limit... I'm not to excited about the yearly fee... I'll try to either change it to a different card or get them to waive that when it comes up next year...Is this one of the Amex that you can carry a balance on if need be or do you have to PIF every month??? I try to have all of mine PIF every month... But you know how that goes... Link to comment Share on other sites More sharing options...
chilton1 Posted June 10, 2007 Report Share Posted June 10, 2007 you can carry a balance. Link to comment Share on other sites More sharing options...
Heath Posted June 25, 2007 Report Share Posted June 25, 2007 My AMEX was in the mail when I got home from vacation... (well it was in the stack that I picked up at the post office anyway)... Got online and activated it... Waited a few hours because some things came up, got online again... Hit the CLI button, I had a 2K limit, asked for 5K and bam, they gave it to me... I'm pretty happy... I'm going to use it for a few months and hope it will be my way to one of their better cards with no fee's!!! Link to comment Share on other sites More sharing options...
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