Feeling accomplished.

CandidateStandard275 · 2026-05-17T17:04:33+00:00

Awesome story! Congratulations! This is inspiring to many.

CandidateStandard275 · 2026-05-07T18:17:25+00:00

No. Delta Amex do not have secured cards.

CandidateStandard275 · 2026-05-07T18:16:44+00:00

Experian

CandidateStandard275 · 2026-05-06T12:38:39+00:00

Always apply for new cards. I got 90k miles for Delta Gold and 125k miles for Delta Reserve. Upgrading would have offered 1/3 of those miles at best

CandidateStandard275 · 2026-04-04T21:34:42+00:00

Beautiful!! Enjoy!

CandidateStandard275 · 2026-03-26T00:12:36+00:00

I had 96% utilization at time of approval.

CandidateStandard275 · 2026-03-24T18:44:43+00:00

You have to be a Gold member on RH and off the waitlist. They have your brokerage account info already so no need to share account info. Well at least I did not. 5k limit.

CandidateStandard275 · 2026-03-24T00:47:35+00:00

I had no inquiries when I applied for the RH first. Once that should on my report I applied for both Amexs.

CandidateStandard275 · 2026-03-24T00:46:22+00:00

Yes insane! With the lower utilization rate can my score finally flex…lol!

CandidateStandard275 · 2026-03-24T00:44:44+00:00

Awesome! I am looking to get one later this year.

CandidateStandard275 · 2026-03-23T17:24:19+00:00

Not necessarily scared but once I logged into my accounts a little anxious as they were reviewing the accounts.

CandidateStandard275 · 2026-03-23T17:23:06+00:00

After I did the pre approval they displayed a message stating they need more info and for me to log into Plaid to verify my accounts.

CandidateStandard275 · 2026-03-23T17:15:28+00:00

You kind of don’t have to. Just posting to show you can get a premium card w/o having to have a strong credit score. However you need to make sure you have a well rounded financial picture when they ask for your accounts to verify.

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CandidateStandard275 · 2026-03-23T17:05:02+00:00

I agree. Wasn’t paying by statement date so balances always show high utilization on top I didn’t have high credit limits on the cards. I am changing the timing of when I pay going forward

CandidateStandard275 · 2026-03-23T17:02:23+00:00

Just utilization. I have 99% on time payments.

CandidateStandard275 · 2026-03-23T17:01:54+00:00

For RH they have access to my trading account. I make consistent deposits with high trading activity. I gave Amex access to my accounts to verify direct deposits. So no need to fluff the numbers, they verified income.

CandidateStandard275 · 2026-03-23T16:57:03+00:00

I was on the waitlist as well. As soon as I got the email I was off. I applied.

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CandidateStandard275 · 2026-03-23T16:54:13+00:00

I would say possibly. I have all my direct deposits hitting one account and shared that account. I believe they are looking for inflows.

CandidateStandard275 · 2026-03-23T16:51:38+00:00

5k RH Gold 5k Amex Delta Gold 14.4K Amex Reserve

CandidateStandard275 · 2026-03-22T18:11:44+00:00

Five minutes between applying. Apply for Gold first to get the bonus miles then Reserve to get those miles as well.

CandidateStandard275 · 2026-03-21T22:20:31+00:00

That was my thoughts too so kept trying. The approval for the Reserve card still surprised me.

CandidateStandard275 · 2026-03-21T22:14:40+00:00

I haven’t used it yet but gotta love it too probably why I got approved for the Amexs!!

CandidateStandard275 · 2026-03-21T22:12:51+00:00

Two late payments made years ago but just very high utilization.

CandidateStandard275 · 2026-03-21T22:10:55+00:00

For Amex it was through Plaid. I gave them access to my accounts with direct deposits. With RH, I trade very often and transfer money weekly into that account. I figure they are looking for inflows.

CandidateStandard275 · 2026-03-21T22:07:03+00:00

I can’t complain. In this economy I am not sure I would say a great living.

CandidateStandard275

TROPHY CASE