"Instant Online Approval !!!"
Delta SkyMiles® Gold American Express Card Review
Written by: kdb030609 on 2010-07-10
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
kdb030609's review: 
Decided to apply for a American Express Card. I had two of their cards in the 90's. I had a Business Gold Card & Optima Card I decided to try them again. I applied for the rewards. It has no annual fee for the first year then $95 dollars. It also rewards with 25,000 bonus miles after the first purchase. I was approved for CL $2000 with scores from 720-750. I don't know which bureau they pulled yet.
Decided to apply for a American Express Card. I had two of their cards in the 90's. I had a Business Gold Card & Optima Card I decided to try them again. I applied for the rewards. It has no annual fee for the first year then $95 dollars. It also rewards with 25,000 bonus miles after the first purchase. I was approved for CL $2000 with scores from 720-750. I don't know which bureau they pulled yet.
8 Comments
Comment 1 by wanderer
Re: Instant Online Approval !!! 
on 2010-07-11
Congratulations! It feels good to move in the world of the big name card issuers again. Glad to see credit is alive after the big melt down.
on 2010-07-11 Congratulations! It feels good to move in the world of the big name card issuers again. Glad to see credit is alive after the big melt down.
Comment 2 by colonative
Re: Instant Online Approval !!! on 2010-07-11
Congratulations. Havn't seen much of this card in a long time.
Amex generally backdates new accounts to the year that you originally became a cardholder. Let's say for grins and giggles that you got your Optima in 1995. When you get the card in the mail the card should say Member Since 95. If so, then on your bureau it will show this new account as opened 7/95. If the card says Member Since 10 then call them up and ask them to backdate it for you. This is a great service because it won't look like a new account.
on 2010-07-11 Congratulations. Havn't seen much of this card in a long time.Amex generally backdates new accounts to the year that you originally became a cardholder. Let's say for grins and giggles that you got your Optima in 1995. When you get the card in the mail the card should say Member Since 95. If so, then on your bureau it will show this new account as opened 7/95. If the card says Member Since 10 then call them up and ask them to backdate it for you. This is a great service because it won't look like a new account.
Comment 3 by thomas1
Re: Instant Online Approval !!! on 2010-07-12
As Colo said above, with this account being backdated, it will also increase the AAoA of your accounts as well. More than likely will gain you a few more points too.
Congrats!
on 2010-07-12 As Colo said above, with this account being backdated, it will also increase the AAoA of your accounts as well. More than likely will gain you a few more points too.Congrats!
Comment 4 by kdb030609
Re: Instant Online Approval Update on 2010-07-12
I just checked online and found out they pulled Experian which is my lowest score at 721. I hope this helps anyone interested in this card.
on 2010-07-12 I just checked online and found out they pulled Experian which is my lowest score at 721. I hope this helps anyone interested in this card.
Comment 6 by thomas1
Re: Instant Online Approval !!! on 2010-07-12
Amex mainly pulls EX for their charge cards. However, I've also seen them pull EQ for their credit card apps as well. So, not always EX.
on 2010-07-12 Amex mainly pulls EX for their charge cards. However, I've also seen them pull EQ for their credit card apps as well. So, not always EX.
Comment 7 by kdb030609
Update !!! on 2010-07-23
Well I received the card last night. I activated it online it said member since 1996 online. On the card it says member since 2010. That seems kind of odd to me.
on 2010-07-23 Well I received the card last night. I activated it online it said member since 1996 online. On the card it says member since 2010. That seems kind of odd to me.
Comment 8 by thomas1
Re: Instant Online Approval !!! on 2010-08-25
Call customer service and let them know it says member since 2010. They can issue a new card with the old member since date.
on 2010-08-25 Call customer service and let them know it says member since 2010. They can issue a new card with the old member since date.
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Disclaimer: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. Review content is powered by Finance Globe.
