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For all you Amex Delta Skymiles Card Holders....

New Contributor

For all you Amex Delta Skymiles Card Holders....

I applied and received a Amex Delta Gold Skymiles card on 7/19 with a $1000 limit. I was curious if I would be eligible to receive a CLI after I had several collection accounts deleted since I opened the account and my scores have now increased. My FICO's are the following as of today: TransUnion - 620 Equifax - 654 Experian -679 I was not sure which CR they pull from for CLI and was wondering if I should wait a few more months, or hit the so much talked about "lov button?" Thanks to everyone here for the help the past few months. It has significantly improved my scores.
Message 1 of 20
19 REPLIES
Frequent Contributor

Re: For all you Amex Delta Skymiles Card Holders....

First let me say good job!!!!  Now you can try , but is your uti low, if so i'm pretty sure you will get the cli, the good news is they pull from ex and that appears to be your highest scoreSmiley Wink
Message 2 of 20
New Contributor

Re: For all you Amex Delta Skymiles Card Holders....

Great...thank you Future for the quick reply. My uti is at 0% since I just paid it off in full the other day. I have paid it off in full each month since I opened the account. I have been taking the advice of those on this forum and kept my uti around 10%. Now you mentioned they pull Experian, but I have read they also pull Equifax. I wanted to clarify this if possible. If they pull my TU I will not be getting anything, that is for sure. How much of a CLI should I ask for or what do you think I could be approved for with my scores?
Message 3 of 20
Frequent Contributor

Re: For all you Amex Delta Skymiles Card Holders....

which state are u  in.  they might double your cl or even give you more since you have shown them responsibility. for me they pulled ex
Message 4 of 20
New Contributor

Re: For all you Amex Delta Skymiles Card Holders....

I am in NC. I had a few old accounts drop off and a few deleted once I disputed them.
Message 5 of 20
New Contributor

Re: For all you Amex Delta Skymiles Card Holders....

And also, would they do a hard or soft pull?
Message 6 of 20
Frequent Contributor

Re: For all you Amex Delta Skymiles Card Holders....



travelguru wrote:
I am in NC. I had a few old accounts drop off and a few deleted once I disputed them.

it appears that they basically pull eq for nc.  its soft


Message Edited by future on 09-25-2007 12:40 AM
Message 7 of 20
New Contributor

Re: For all you Amex Delta Skymiles Card Holders....

Is it any different if I request the CLI online or call them to do it? I am really not wanting to be denied. Thanks for the help.
Message 8 of 20
Valued Contributor

Re: For all you Amex Delta Skymiles Card Holders....

Have you had the card 30 days? You should have the card 30 days before you request.
Message 9 of 20
New Contributor

Re: For all you Amex Delta Skymiles Card Holders....

I have had the card for almost 3 months with paying the balance off each month in full. I did apply this afternoon for the CLI and requested a $4000 increase to make it an even $5000 limit and to my amazement they approved it instantly. I am very happy that all this advice has really paid off in more ways than one. Does this mean I will get the FR from Amex now that I have this high-limit? I was honest with their questions, and I have nothing to hide, but I am curious. Thanks guys!
Message 10 of 20