General Credit Topics

[jizoe182]

---

db23 wrote:
I have both Clear and Blue.

Clear has a minimum CL of 4K - so if your delta doesn't have at least a 4K CL then you don't even stand a chance.

Blue has a minimum CL of 1K - so you'll likely be able to convert to Blue.

I recently did a conversion...

I started off with a Blue Cash and a Delta Gold. I asked to convert my Delta to a Clear and they said no, but they happily converted it to Blue Cash.

I then had them convert my existing Blue Cash to a Clear!

---

So how long did this process take for you? I'm interested in converting to Blue Cash from Blue if possible...

[Jay1987]

---

Jamesus81801 wrote:

Does anyone know how this process is done, do they check your credit again?

I was just approved for Skymiles, haven't even recieved the card yet, but I actually want the Clear, I didn't think I would be approved for it straight up though, given the threads that I had read here.

Is it as simple as asking or are they looking for something specific when you request a conversion?

---

When I Converted my Delta to Blue - They converted it over the phone and the change took place at the end of the billing cycle - received the new card shortly after the end of the cycle.

[navigator1256]

1) Would I be able to convert my AmEx Blue for Students to a regular AmEx Blue or Clear? And 2) Does converting qualify you for the benefits + introductory offers that you would get such as if you were to apply cold? I have a 4.5K CL on my Blue for Students. with Fico 's TU 682, EQ 696, EX 0 (I don't like EX). Also, I'm in WA state.

[db23]

If you call AMEX and tell them that you are considering converting to a card that may better match your current lifestyle they will give you a list of cards that yours can be converted to, that's what they did for me. The CSR read off a list of like 10-12 cards that my Delta could be converted to. They didn't though for the Blue Cash since I had just asked to convert it to Clear and the CSR just said yes - no haggling was necessary for that one.

[jizoe182]

How about combining cards? Do you know anything about that?

[db23]

To "combine" an amex the easiest way to to go online and reallocate all but $1000 to the card you want to keep then call and cancel the card you don't want, you'll lose $1000 worth of CL this way though.

AMEX really give YOU a line of credit, then allows you to allocate the limits to your cards as you see fit. This is once you have the card that is.

[jizoe182]

---

db23 wrote:
To "combine" an amex the easiest way to to go online and reallocate all but $1000 to the card you want to keep then call and cancel the card you don't want, you'll lose $1000 worth of CL this way though.

AMEX really give YOU a line of credit, then allows you to allocate the limits to your cards as you see fit. This is once you have the card that is.

---

I don't want to apply for another Amex card when I rarely use my Blue now. I requested for a CLI a couple of days ago and they said they need some time to consider this and that it may take 7-10 business days... I just want them to match my existing highest limit (which is only 7.5k). I called their automated system today and it said that Amex generally gives you a CLI every 30 days which is so awesome. lol. But none for me I guess.

[loloswims]

Considering the clear has no late, overlimit, annual, balance transfer or cash advance fees I would think it would be harder to get than the blue.  It is a matter of risk.

[Irvin]

i got a delta skymile converted to Amex Blue after a month. I originally got this card with EX score of 574. They gave me $1k CL and declined for CLI.

[Jamesus81801]

My EX score was 606, they gave me 2k CL, haven't gotten the card yet, not sure if I'll ask for a CLI on activation, but I think I will ask to convert, seems like it's easy enough and no harm to ask from what I've read so far.