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Since I like to get as many miles and points as possible when getting new rewards credit cards, I applied for the Gold Delta SkyMiles Credit Card back when there was an increased sign-up bonus a few weeks ago. I explained the reasons why in this post, and there I also mentioned that I did not receive instant approval for the application.
This is actually pretty common for me these days despite a credit score of around 800 since I already have multiple credit accounts with most major banks and in some cases have maxed out the amount of available credit the bank will extend me. Note that this does not mean I have maxed out the credit lines with charges – instead I actually pay off my balances each month. Once I saw the pending notification I could have picked up the phone and called Amex to try and see if there was any info I could provide to help get the card approved right then and there, but I was
lazy busy and didn’t get around to it for a couple days.
Since I know that many of you are sometimes too busy with kiddos, work, etc. to always be ready to pick up a phone and call a bank, I thought I would share my experience with what happened next when I basically did nothing.
Sometimes I have seen new credit card accounts automatically appear in my online banking portals when I get approved without knowing it, but this time it was my email inbox that alerted me that good news was on the way. Within a day or two of applying I ended up getting a notification in my email that my new Delta Amex was on the way (subject line: Your American Express Card Has Shipped). Hurray!
Then, a few days later I got a notice in the mail officially informing me of my approval for the credit card and informing me that they looked at all of my open accounts, including my spending on the accounts, before opening this new account. As a result, they adjusted the credit limit down on one of my other personal Amex cards in order to open this new credit account. I was given a number to call if I want to reallocate credit lines between the cards in a different way, which I will likely get around to at some point…
Shortly after that notice arrived my brand new shiny Gold Delta SkyMiles Credit Card arrived ready to be activated and used! All I ever did was submit the initial application, go about my daily life, and then eventually activate the card online. The time from when I got the pending application notice online until I had the card in my hand was about a week.
Of course, this is just my story with this one card account so your experience may be very different. However, I thought it was useful to share how things can work out without you having to do anything even if you don’t get an initial approval for a credit card you desire.
Do you have similar stories of eventually getting approval for a new account without lifting a finger?
Editorial Note: The opinions expressed here are mine and not provided, reviewed, by any bank, card issuer, or other company unless otherwise stated.