Good Entry Level Travel Card
I applied for this card after CK showed I had a "fair" chance of approval. There's a general rule with card approvals that many people with fair to average credit don't know about. I'll use Capital One as an example since?a little trickier to explain with AMEX cards. When CC companies offer 2 or more card products that are similar in class (i.e., Quicksilver and Quicksilver One) the one with the annual fee is the one that you'll have a strong likely chance of approval. Usually, the card without the annual fee is typically reserved for people with higher credit scores. This is not to say all CC companies?practice this rule, but in general, most do. In this case, Delta AMEX Gold is the base level travel card in its class. If CK shows that you have "fair" chance of approval and there is an annual fee involved, it's very likely that'll you'll be approved. If you do get approved, exercise?this rule moderately. All new inquiries can negatively impact your credit score, and too many will raise a red flag with CC companies. As far as how I use this card, I primarily?use it for Delta travel expenses. With fair to average credit?scores, the interest rate for this card is very high and should not be used as an "everyday" card unless you intend to pay it off completely every month. ?