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Delta Skymiles Gold Approved!

Valued Contributor

Re: Delta Skymiles Gold Approved!

They sent me my TU score Smiley Sad They did a triple pull on me for Zync card and then used them for this one.  Zync was instant and Delta was about 20 minutes for approval.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor

Re: Delta Skymiles Gold Approved!

Congrats

Valued Contributor

Re: Delta Skymiles Gold Approved!

ugg - i hope it wasn't a triple-pull!
5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Valued Contributor

Re: Delta Skymiles Gold Approved!

can i wait past 61 days for CLI - i want to try and be at optimal util%
5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Frequent Contributor

Re: Delta Skymiles Gold Approved!

Congrats glad santa came early for you!

Established Contributor

Re: Delta Skymiles Gold Approved!

I had put this somewhere else but I'll say it again. In a conversation with the CSR I was told it is 61 days after approval, not activation. It might mean you want to do it over the phone and not online, or just call to be sure.

 

Congrats on the card, I like mine. I hit the 61 day after approval next week.


What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Valued Contributor

Re: Delta Skymiles Gold Approved!


Cageym wrote:

I had put this somewhere else but I'll say it again. In a conversation with the CSR I was told it is 61 days after approval, not activation. It might mean you want to do it over the phone and not online, or just call to be sure.

 

Congrats on the card, I like mine. I hit the 61 day after approval next week.


If that's the case I can do mine on 9/14. I'll have to see Amex does another SP on me. My last one was before my UTIL bump was fixed.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor

Re: Delta Skymiles Gold Approved!


Duncanrr wrote:

Cageym wrote:

I had put this somewhere else but I'll say it again. In a conversation with the CSR I was told it is 61 days after approval, not activation. It might mean you want to do it over the phone and not online, or just call to be sure.

 

Congrats on the card, I like mine. I hit the 61 day after approval next week.


If that's the case I can do mine on 9/14. I'll have to see Amex does another SP on me. My last one was before my UTIL bump was fixed.

Can I still wait beyond 61 days to try and get that 3x - or do you only get that one shot on the 61st day?

 

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Established Contributor

Re: Delta Skymiles Gold Approved!


Duncanrr wrote:

They sent me my TU score Smiley Sad They did a triple pull on me for Zync card and then used them for this one.  Zync was instant and Delta was about 20 minutes for approval.


lol it's not all bad it could be EQ, but since you probably got the FICO 04 TU score it's not bad at all, since MyFico sells TU98 and Walmart gives you Fico08. Fico04 is the one mortgage lenders pull so that's the best scores to have =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
New Contributor

Re: Delta Skymiles Gold Approved!

I hear people talking about the 61 day rule for 3x CLI.  That was not the case for me.  I was approved in August with a credit line of $5500.  I requested the increase and got a letter in the mail saying I was too new to American Express, that I have too much utilization (21% overall) and that I need to wait six months to request again.  I made a large purchase last month and already paid it off (on their card).  I was confused by this.  My minimum payment is $49, and I paid $1100 last month.

Also, my scores are all in the 700's and I was only expecting a pull by Experian when I applied.  Needless to say, they pulled all three.  As for the CLI request, no hard pull...they mentioned in their letter a review of a report dated more than a month previous. 

$5500 is fine for an initial limit, so I'm not really that upset.  I wondered how they could triple that with only 60 days of history.