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Regular Contributor
Posts: 120
Registered: ‎01-22-2013
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Best way to PC Delta AMEX without HP

[ Edited ]

I would like to ask myficoers experience on PC'ing a Delta Amex Gold to other AMEX cards.

This is a 3-6 month plan, not immediate. What are the chances of getting a higher CLI when PCing ?

I would be using the new card for groceries, gas and utilities.

What's my best option ?

I am hoping my scores are in the 700-735 range when I do my request, and util at 10% or less (currently 18%)

 

Thank you in advance for your advice.



CURRENT TLS:

AMAZON $2K/ WALMART $2K /DCU $3K DELTA AMEX $1K
DISCOVER $1.2K/ PAYPALEXT $2K /COSTCOTU $1.2K

UPDATED 8/1
EQ
8/1/13 EQ 694 - (myfico) -
7/26/13 EQ 694 - (DCU)
9/10 EQ 701 - (myfico)

EX
9/8 - EX 707 (usaa/EX)

TU
6/18 TU 690 (myfico)
7/2 TU 694 (Walmart)
8/8 TU 676 (Walmart)
9/6 TU 676 (Walmart)
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Best way to PC Delta AMEX without HP


yomellamoFICO2013 wrote:

I would like to ask myficoers experience on PC'ing a Delta Amex Gold to other AMEX cards.

This is a 3-6 month plan, not immediate. What are the chances of getting a higher CLI when PCing ?

I would be using the new card for groceries, gas and utilities.

What's my best option ?

I am hoping my scores are in the 700-735 range when I do my request, and util at 10% or less (currently 18%)

 

Thank you in advance for your advice.


I believe that AMEX doesn't pull your credit for product changes.   There are a number of recent threads on AMEX PCs where members have reported doing a PC.

 

As long as your card has been open for at least 12 months ( and assuming that the card you want can be PC'd into ) there shouldn't be any issue.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Blogger
Posts: 3,355
Registered: ‎10-19-2012
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Re: Best way to PC Delta AMEX without HP

I think there is only one creditor that has been known to pull HP's for product changes. Do you remember what creditor that is?

Regular Contributor
Posts: 120
Registered: ‎01-22-2013
0

Re: Best way to PC Delta AMEX without HP

Thank you for your feedback. I've read that is usually a YMMV. My card will be only 6 months in December. It's still early, but I wanted to plan ahead.



CURRENT TLS:

AMAZON $2K/ WALMART $2K /DCU $3K DELTA AMEX $1K
DISCOVER $1.2K/ PAYPALEXT $2K /COSTCOTU $1.2K

UPDATED 8/1
EQ
8/1/13 EQ 694 - (myfico) -
7/26/13 EQ 694 - (DCU)
9/10 EQ 701 - (myfico)

EX
9/8 - EX 707 (usaa/EX)

TU
6/18 TU 690 (myfico)
7/2 TU 694 (Walmart)
8/8 TU 676 (Walmart)
9/6 TU 676 (Walmart)
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Best way to PC Delta AMEX without HP


HiLine wrote:

I think there is only one creditor that has been known to pull HP's for product changes. Do you remember what creditor that is?


NFCU ??  :catwink:    Seriously, I can't think of any creditor that does a HP for PCs, although there's probably one out there somewhere.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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