"My First Amex"

Delta SkyMiles® Gold American Express Card Review
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Written by: john1979 on 2008-02-18

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john1979's review: Callout Comment Applied the other night even though I have no real need for another cc. Instant approval for $7900... I will update with my experience with this card. Fico at time of app was about 660.


Comment 1 by hjm331
Congrats! NICE CLI! User Icon on 2008-02-18

Remarks Hey John, I applied for the same card 2 weeks ago and they approved me for a $1000 CL. This was also my first AMEX card. It was a big deal for me since I'm only 18. But congrats on the new card, it's a card. However, the design of the card isn't the gold one that is shown here on the website. It's the one with the red and blue on top and the other half on the bottom is fully transparent. I like the design though, it's definitely been a head turner so far.
Comment 2 by markrivers
Congratulations User Icon on 2008-02-18

Remarks Great card... Especially if you travel a lot... I don't have one though... But I might apply after a yr when my score turns to 700 ish!
Comment 3 by meya
Way To Go User Icon on 2008-02-18

Remarks Jesus, everyone is getting the AMEX card now. That is a nice limit, congrats.
Comment 4 by hjm331
Meya Is Missing Out! User Icon on 2008-02-18

Remarks I'm telling you Meya, apply for this card! You're missing out on all the AMEX love. I'm sure AMEX will roll down the red carpet for you as they did to me and everyone else!
Comment 5 by meya
Not Yet User Icon on 2008-02-18

Remarks I don't want to come at them with a baddie on my report. Remeber that I have one co left and one medical left on exp. The one I had from select comfort "over the limit" is dropping off as we speak. I have to wait on the other two. I have already been denied from this card, they are going to pull from exp where I have 26 inq. I am not trying to be the one who gets denied from this card again and everyone else is getting them. I don't rush because what someone else is getting, I know what the outcome will be if I apply now. Just hold on lil bro, I will be there soon.
Comment 6 by john1979
RE: User Icon on 2008-02-19

Remarks Yes Meya that is true, they did pull from experian... But even I have a CO and a CA and it was still approved... Not sure why but Im not going to argue with them! Good Luck Meya, You can do it!
Comment 7 by hjm331
Lucky You! User Icon on 2008-02-19

Remarks I wish I had a limit like that! Aren't you lucky?
Comment 8 by meya
Hey John User Icon on 2008-02-19

Remarks What was you collection, how much was it, and how long have you had it? Mines is a:

1. Medical co for $117 since 2002

2. Once credit card co since 2002

3. GEMB put a "over the limit" on my report on 1/08 but is removing it through dispute. It is off of EQ now(2/15), just waiting on EX and TU to clear it. My EQ sore jumped 16 pts because of the removal.

4. On EQ waiting for my 60 day late to leave on my car payment from 2003. It left TU and EX, they are dropping it early.
Comment 9 by arod
WoW User Icon on 2008-02-19

Remarks What credit line man I have to say good luck to you

I wish I had CR line like that on any of my card.

Take care,

Comment 10 by john1979
RE: User Icon on 2008-02-20

Remarks I have a CO from 4 years ago for 4K(debt from ex that I refuse to pay) and a CA from 1999. Currently disputing the CA. Im going to list all my app statuses in that section of this website. Thanks! I really think you have a shot at this card Meya! Go for it!
Comment 11 by eldarwen
Congrats! User Icon on 2008-02-27

Remarks Congrats on your new card. I got my Amex blue in August and still have a $2,000 CL on mine. I think I should hold off on asking for a CL raise.
Comment 12 by hjm331
RE: Eldarwen User Icon on 2008-02-28

Remarks That is a good decision that you are making by not asking them for a CLI because they might take your account and have it reviewed by their Financial Revew Dept. And will ask for tax return forms.

I asked for a CLI last night and now they are asking for copies of my tax forms. This does not make sense at all.
Comment 13 by eldarwen
I Think I Will Let Them Give Me One User Icon on 2008-02-28

Remarks I think I will let them give me a CL raise. Every time I turn around, they are giving me a CL limit raise on my Sears cards and I don't even use them!
Comment 14 by hjm331
RE: Eldarwen User Icon on 2008-02-28

Remarks Well, look at the brightside. At least they're helping you with your utilization ;)
Comment 15 by eldarwen
Getting Me To Use The Card User Icon on 2008-02-28

Remarks Sears is trying to get me to use the card. There is a reason that I don't like the Sears cards. The high interest rates, no real reason to use them, bad customer service that I can't understand because of accents.
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