Is Delta Platinum hard to get?

Often, customers wonder: Is it difficult to obtain Delta Platinum?

Among the most exclusive co-branded airline credit cards available is the Delta Airlines SkyMiles Platinum American Express card. Many people find tremendous value in having a card that gives as many advantages as this one, given the moderate $250 annual charge (see Rates & Fees). Given that this Delta Platinum card is a premium travel rewards card, you may be wondering, nevertheless, if a Delta Platinum card is readily available.

Still, in this post, we will discuss basic guidelines and approval possibilities for Delta Platinum card issuing, so you may project your chances. We will also provide advice on how you could raise your chances after the post should your credit score still be below ideal.

Requirement for Delta Platinum Approval Regarding the credit score criteria, the Delta Platinum card aims to draw individuals with a good to outstanding credit history, which is realistic for such a card.

Although there are no stated credit criteria, research indicates that typically you will need the following to get approved:

• good credit score of 690 and above The approval of borrowings was to be given to applicants with credit scores not less than 700 or higher. If the score is less than 690, then you have a very poor chance of getting it. Getting scores of 720 or higher is the best way to get the highest approval rate.
• Credit history should be at least 3 years old It is also important that the applicant have several years of credit history and credit accounts of different kinds (credit cards, automobiles, and/or mortgage loans). Screw your credit files; many thin credit files are usually not approved.
• Low Utilization Rates It is also important not to carry high balances in proportion to your credit limits, as this is likely to lessen chances of approval. Analysts suggest that it is best to maintain credit card balances below 30 percent of the total credit line expected for each card. When it comes to applying for new credit, the lower the better, or, in other words, the card has to be as close to zero as possible.
• The fact that there have been no recent late payments means that you are up to date with your payments. This is the most crucial of all the factors, as payment history is usually the biggest component of your credit score. This will mean that even after making one late payment on your credit report recently, you will be denied for cards such as Delta Platinum. However, to ensure that this is not the case in the future, payments should be made on time.
• Limited Hard Inquiries Remember, each credit card application is considered a ‘hard’ search and these will have a small negative impact on your score. Aim at limiting your new applications within the six months before you apply for a Delta so as not to cause red flags.

However, since it’s a Delta Platinum card, the cardholders must have a good credit score for them to qualify for the card. As mentioned in the previous sections, some of the criteria that will favor you include: Meeting most of the above shall give one favorable chance. If you’re not quite there with your credit profile yet, keep reading to learn how you can get yourself postured for the future.

Ways You Can Increase Your Probability

If you don’t meet the above approval odds, here are some moves to make that will significantly strengthen your application down the line when you reapply for the Delta Platinum card:

• Build Credit History Applying for new credit cards now and then using them sparingly over time to let them build account history—start with cards that are likely to approve you and do not charge an annual fee. Also, others, such as auto loans and personal loans, should be included in the other accounts.
• Increase Credit Limits Request credit line raises periodically and never let balances exceed 30% of limits. It is also important to avoid stretching one’s credit limits, as this will greatly reduce credit approval chances.
• Pay All Bills Use autopay and payment reminders early, and ensure that you pay at least the minimum amount 5-7 days before the due dates. This guards the historical record of timely debt repayments, which is important.
• Limit Hard Inquiries Wait for at least 6 months before submitting new applications; instead, look for prescreened offers that do not lead to hard pulls. This implies that any number of inquiries beyond the recommended maximum is dangerous.
• Monitor Credit Reports It is recommended to check all three credit reports at least once a year to see what factors may be dragging your scores down. Although you should challenge incorrect data to possibly increase your score before applying, this is not always the case.

If you have adhered to these responsible credit card management practices for about 12 months, it places you in good stead for Delta Platinum approval when next apply. Wait, don’t deviate from commitment to credit health fundamentals; you’ll be in this top-rated premium flyer program in due course!

Should One Go for the Delta Platinum? If you’re still wondering if it’s worth the effort of getting the Delta Platinum card, you can now determine whether or not you are going to be approved for it. All the privileges discussed above make evident that the card has attractive airline and travel rewards, but does it make any sense to pay $250 annually?

Another advantage that is worth mentioning is the Priority boarding and one checked bag free for me and up to 8 companions booked on this card save $60 round-trip per flight. You also receive the companion pass each card member anniversary year at renewal; after the first year, another person can fly with you for free for the taxes and associated fees.

The card also offers other travel benefits and luxuries, which include the first checked bag fee waived for the first checked bag on Delta flights for you and up to 6 others traveling with you, application fee credit of $85 for TSA PreCheck, priority boarding, access to Delta Sky Clubs when traveling on a Delta flight and access to American Express Centurion Lounges when traveling on other airlines, among others.

They’ll allow you to earn 3 miles for each dollar spent on Delta, 2 miles at restaurants worldwide, and 1 mile on everything else. Most Delta miles are earned by gauging the fare class multipliers to achieve the best value; the value Delta flight redemption offers tends to be better than that of generic cash back.

For those who fly Delta a lot and do not mind the restricted choice of partners in exchange for cardholder benefits, the Delta Platinum card quickly earns its keep and makes life in business travel less complicated. Between free checked bags, great statement credits, welcome bonuses, and free miles, upgrade options, and luxury lounge access, do not hesitate to apply for the card if you qualify for approval.

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