"Pushed My Luck"

Delta SkyMiles® Gold American Express Card Review
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Written by: danny on 2008-07-26

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danny's review: Callout Comment Applied this evening. They pulled Experian. My credit score is 651 but was declined. I was able to see why immediately on their website as well..

1)BK... Discharged back in 2000

2)Charge off... This was back in 2001

3)Excessive Inquiries

This is exactly what my Experian report shows as negative. Everything else is fine. The charge off is scheduled to be deleted in 2009 and the BK in 2010. I guess I will have to wait until then but that's around the corner anyway.


Comment 1 by desihunk17
Need Help Applying For This Card User Icon on 2008-07-26

Remarks I been member of this website for about 2 years... You guys are amazing... And thank you for being so nice and help full...

Here is the situation... I have couple baddies in my credit report that will be 2 years old end of this month... Also my scores are around 670... With experian... Have citi dividend card with 12k year old account... Bank of america card 10k only 3months old... Hooters card 7k 1year old... Paypal master card 5k...6months old... And one car loan 1year old... Never late in last 3years...

Question is should I apply for this card?
Comment 2 by kellbell
Apply User Icon on 2008-07-26

Remarks ABSOLUTELY APPLY. I still have 4 baddies on Experian and a satisfied judgment that is 2 years old. They approved me this morning.
Comment 3 by arod
Amex The Best!! User Icon on 2008-07-26

Remarks Apply... With the credit lines you have there should be no problem.

It does however have a annual fee of $85 or more but the first year is free.

Good Luck,

Comment 4 by cireone
AMEX User Icon on 2008-07-26

Remarks This card actually happens to be the easiest to get approved for in AmEx. Also they may upgrade you to Platinum but the only differences are rewards. I got the card with credit scores below 600, IDK how but got approved 2 years ago. Your score fits in with AmEx but I believe they pull Experian. The only advice Ihave for you is that you keep your utilization to a minimum, don't let your scores drop and pay in full, as AmEx is notoriuos of giving CLDs.
Comment 5 by meya
Hi Desihunk17 User Icon on 2008-07-26

Remarks Before you apply, I would think real deep about what AMEX uses to qualify individuals. I don't want to see you with an inq, and a denial. But if you think you just want to go for it, I have my fingers crossed for you
Comment 6 by kiejon9
Well You Have To User Icon on 2008-07-26

Remarks Well you know what you have to do but dont run your credit any more okay
Comment 7 by hjm331
Hang In There User Icon on 2008-07-27

Remarks It's alright, wait until those baddies fall off and apply for this card again in the future if you really want to get your foot into the door with AMEX.
Comment 8 by rj2311
No AMEX For BK's User Icon on 2008-07-27

Remarks They its pretty much a given that AMEX is not BK friendly.
Comment 9 by mark
Go With BofA AMEX Instead User Icon on 2008-07-27

Remarks I suggest when you apply next time... After several months of course..

try AMEX by Bank of america.

they won't decrease your CL just like the regular AMEX
Comment 10 by meya
So Sorry User Icon on 2008-07-27

Remarks Its cool, don't worry about that part, at least you know what the reason was for and what you have to do in order to reapply with them again. Just chill out for a minute until those baddies drop off, then you will be ready for them the next time. Don't give up, just hold on for a minute.
Comment 11 by arod
Sorry To Hear That!! User Icon on 2008-07-27

Remarks Well be patient you'll get AMEX but wait until it drops out of your credit report like you said 2010. Then apply Amex doesn't approve any body with a bankruptcy on there credit report.

But when it drops you can apply I speak from experience with Amex..

Take care,

Comment 12 by arod
Also User Icon on 2008-07-27

Remarks I know some one who went thru a bankruptcy at work and when it drop out of his credit.

he was able to get great cards so don't give up !!

your time will come in 2010.

Comment 13 by islander36
Bk Should Not Stop You. User Icon on 2008-07-27

Remarks I have read this book that Credit after Bankruptcy by Stephen Snyder. I was told to start with secured cards that reports to all the credit reporting agencies, then you work from there to rebuild. There are some companies that are not bk friendly. I got a red card from target before my bk was discharged. I also find that when you apply for instant credit in a store, you get approved vs. Applying online. I tried applying online and got declined for a target card. I got instantly approved in the store less than 1 month later. Get that book. It will help you a lot.
Comment 14 by danny
Thanks User Icon on 2008-07-28

Remarks Thanks to everyone for all the great advise. I will wait until I apply for the great cards out there. I'm pretty straight for now. I have the following cards all approved after BK. Most within the past year or two.

JC Penney



Neiman Marcus

World Market

Applied Bank

Orchard Bank

Capital One

Juniper I-Tunes Visa

Merrick Bank Visa

Hooters Mastercard

Direct Rewards Discover by HSBC

The rest I had closed...

American Eagle Outfitters



First Premier
Comment 15 by wildrage2
Closing Cards User Icon on 2008-07-28

Remarks I can't wait to close some crappy cards in November, after they've been open for a year (and I hopefully have a chase and a Citi lol).

First Premier and Continental: You have a target on your back!
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