Credit Cards

The results of my latest credit card round – how did I do? This one took some work!

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Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.

I am way past due for my latest round, but for some personal and other reasons I have delayed a few weeks. One of them was to make 100% sure I was well past the hard and fast 365 days since closed rule with AMEX as I did not want anything to mess up my potential 10,000 MQM’s on the way when I went for a new Delta AMEX personal Reserve card. I also thought long and hard over what cards I wanted for my travel goals for 2013/2014.

First let’s take a quick peak at my credit score pre round. I had dropped off a few hard hits to my score and that was down to a respectable 8 on the trans-union score. Also, my total credit score had, as I expected, come back nicely since last round. Not just nicely, but higher than it had been for a long time for a regular credit card applicant like me. Take a look.

So what were my choices and what was my thinking and what did I go for and why. I went for four cards, and the results surprised me a bit. I only got one, yes one, instant approval. I went for two personal and two business cards. As much as I was tempted to try the Frontier card, and I think the airline is OK from what all have told me, I really needed more US AIR points since the Grand Slam did not happen this year.

Result – Instant approval with $12k+ line.
Reason for card – This will get me enough for a 1st class ticket to Sweden. I went for the official offer I was sure to get full points and did. I tend to be conservative, but I always get my points this way.

Result – We will get back to you. Now I don’t wait. I did wait till the next day, called HERE (at bottom of list) to find out my status and if they had any questions. I spent time going over my business numbers with the rep, told him I like my BOLD card but a credit vs. charge card would be nice and I would be happy to move credit from my United card if need be as I value the INK card much more than I do the United card. Approved with full line moved from United to my new INK PLUS! Sweet as THIS was the card I really wanted to make sure I got on this round. Just SWEET!
Reason for card – My Ultimate rewards balance was a bit low after redeeming so much for my 25th anniversary trip. This will add a bunch more and let me play with BlueBird et al!
Other thoughts – If you got the BOLD or PLUS with the higher $10,000 spend, why not try unbumping the bonus and either call or send a secure message to Chase when logged in to ask them to match it if you got the card inside 90 days!

Result – We will get back to you. Called and was routed to India. I don’t like so much of AMEX’s approval and such is in the east now, but that is the way of things so be aware. I was told I would have an answer in a few days. Next day, e-mail stating I am approved! Sweet!
Reason for card – Another 10k MQM’s, another buy-one-get-one-free ticket with Delta each year, another card that I can, with spending $60,000 earn an extra 30,000 MQM’s each year. I will have to think long and hard about keeping them both and spending the $900 a year in fees. But, with a retention call to each, if I can net 20-30,000 Skymiles each year, I think that can work just fine with all the other perks!
Other thoughts – For those of you who heard me speak at the “DO’s”, this is a good data point for you to keep in mind!

Result – Please wait. Then declined! I called back. Told no again due to ARS (I really dislike these guys – Advance Resoltion Services). I was told, like with my personal card last round, I could contact them to clear it up (you can’t btw). I told rep I had perfect credit & had never ever missed a payment, been with US BANK for years, have a HUGE business line with AMEX but want to spend some of that with them. Please could a human review the application rather than just saying no due to ARS. Also said I would be happy to move some of my line from my personal Flex Perks card as I need less there and more on my business card. They reopened the app and a few days later – Approved!
Reason for card – With a little spend, I get another $400 in buying power to buy Delta tickets that will earn RDM’s & MQM’s. I plan to save these for repositioning flights when I find a great mileage run deal next year and book some back to back trips.
Other thoughts – US BANK and their ARS drives me crazy. I did not go buy a $10 track phone to test using that as my phone number on the app over my standard one. I wish I had, but honestly think the results would have been the same. ARS warns US BANK about those who ask for a lot of credit as we do. That does not make us a bad credit risk, it just kicks us out of the system automatically and we have to get a human to see we are worth having to the bank. Be alert that this bank takes WORK!

So I was able to maintain my 100% approvals going for many many years now. I clearly have and have had a bunch of cards. I have closed, opened & moved lines around. I have done challenges and called for retention points each and every year. I love my points! I am also not afraid to call the reconsideration lines (see list at bottom of linked page) and I do not wait for rejection letters to come to me. I am proactive and even with only 1 of 4 instant approvals I was confident I would get the four cards I wanted to have this round and I did!

A man wise beyond my years just keeps saying, your credit is one of your most important assets, treat it as such. Rick, I do and each round I do, I thank you for opening my eyes so many years ago! – René

PS – You really don’t want to miss
SATURDAY’S blog post -‘just sayin’!


Delta SkyMiles® Credit Card
from American Express®
Click here for more information



Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

René de Lambert is a contributing writer and the founder of RenesPoints. He is an avid Delta and SkyTeam flyer who has held Delta’s top Diamond Medallion status for many years and flown millions of miles.


  1. Hi,

    I enjoy reading your blog.
    I noticed that you are monitoring your credit score. Which company is the best to monitor the credit score?
    I want to improve my credit score before I start applying to bunch of credit cards for more points.

  2. If I have maxed out all the delta awards possible. But my wife hasn’t…Can I put my Delta number on her application and get the bonus miles on my account?

  3. You mention about calling AMEX retention when the Reserve cards are uo for renewal. Have you had any any luck with that in the past. I have never known AMEX to offer anything when calling about canceling a card due to fees. I had some cards that generated six figures in charges and if I called they would just close them with no offer at all. I also will say US Bank is a little strange. I have personal and business flex cards but after getting a pre approval mailer to my business that was one of the few cards I got a denial from.

    • @robertw – you MUST ask for retention dept with amex to get points. also US BANK you need, like I did, call and ask to look again.

  4. Hey Rene,

    I just got approved for the MB Amex Platinum card today, which is a charge card. Do you know if I would also be able to get the Delta Amex Gold/Reserve card? I’m trying to maximize the number of cards I can churn 🙂

  5. Do you happen to know if the MB Platinum Amex is a personal or business card? I’m guessing personal. I figure I would also go with the Delta Gold Amex (35K).

    • @Mike – I think personal. So you could go for a biz MR card if you would want. The DL card should not be an issue for next churn if it has been 365 days since you closed a gold plat or reserve dl card!

  6. Oh, so it doesn’t matter if I get a personal or business DL card? I thought I should apply for all personal or all business per churn?

    Oh, and THANK YOU so much for the quick responses and great information!

    I have the option of a 40k gold dl business or personal card 🙂

    • @Mike no you want to mix it up! With AMEX they will say yes to the 1st one, then you will get please wait for next. You then call and explain you wanted both as clearly you want to keep spend separate! Great targeted deal.

  7. Oh darn, looks like you need to have a federal tax id to apply for a DL business card. I won’t be able to get one until the office opens during the weekday. I suppose I won’t be able to churn this time around.

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