topic Re: Surprise Auto CLI on Amex Delta Reserve in Credit Card Approvals

Surprise Auto CLI on Amex Delta Reserve

jasonbourne84 — Mon, 08 Nov 2021 06:23:27 GMT

Given my current utlization, plus the fact that my current NPSL balance on my Amex Charles Schwab Platinum is ~$11K, I was *very* suprised to get an auto CLI on my Amex Delta Reserve today. They increased the limit by just over 2.5x, bringing it from $1,900 to $4,900. My stats are in my signature (hover/click items for details):

I'm paying my revolving balance down to 21% (from 88%) tomorrow. That will also bring my accounts with balances from 10 to 4 (two revolvers, one mortgage, and one student loan). I wasn't planning on actively requesting a CLI on anything until a TON of my lates and all of my 2-year INQs fall off (which won't happen entirely until Sep 2022).

EDIT: Forgot to mention, this is the first CLI I've had on the card. I opened it in Dec 2017 as a Delta Gold. Initial CL was $1K. I converted it to a Delta Reserve in 2020. Amex repeatedly refused to grant a CLI (even when my EX FICO8 was in the mid-700s). I eventually moved $900 from my Amex Hilton CL to this card to make it more useful.

Re: Surprise Auto CLI on Amex Delta Reserve

CreditMagic7 — Sun, 07 Nov 2021 21:40:46 GMT

Congrats on your new limit with the Amex DR!

Re: Surprise Auto CLI on Amex Delta Reserve

gdale6 — Sun, 07 Nov 2021 21:54:07 GMT

Grats on your Amex Delta Reserve

Re: Surprise Auto CLI on Amex Delta Reserve

cashorcharge — Sun, 07 Nov 2021 22:40:35 GMT

That's terrific!! Congratulations on your AMEX CLI Approval!! 🥂🎉👏🏻

Re: Surprise Auto CLI on Amex Delta Reserve

CreditAggie — Sun, 07 Nov 2021 23:16:38 GMT

Congratulations on your Amex auto-CLI!

Re: Surprise Auto CLI on Amex Delta Reserve

KingRue8500 — Mon, 08 Nov 2021 00:05:23 GMT

Congrats on your AMEX Delta Reserve auto CLI

Re: Surprise Auto CLI on Amex Delta Reserve

Total80sKid — Mon, 08 Nov 2021 04:59:08 GMT

Congrats on your Reserve increase 👍🏼

Re: Surprise Auto CLI on Amex Delta Reserve

Sub16610 — Mon, 08 Nov 2021 05:07:06 GMT

Congrats on your Amex auto cli!

Re: Surprise Auto CLI on Amex Delta Reserve

Anonymous — Mon, 08 Nov 2021 06:18:24 GMT

Congrats for your approval! Yes, it is weird for the card like that to have only $1000 which is too low especially if you are flying oversea. Even flying locally it is mostly near $1000 unless you fly the unplanned flight itenerary with discount. I used to fly oversea a lot in the past using this card and usually I would find something slightly lower than $2000 after taxes and fees. Else, I would ask for a temporary increase and PIF right away. Ater a while I simply give up on the CLI. I am glad it works for you after you transfer your other card credit to it. Congrats again and I am hoping it would grow further.

Re: Surprise Auto CLI on Amex Delta Reserve

coreyb80 — Mon, 08 Nov 2021 17:20:51 GMT

Congrats on the increase!

Re: Surprise Auto CLI on Amex Delta Reserve

NRB525 — Mon, 08 Nov 2021 18:39:28 GMT

Congrats on your auto CLI for the Delta Reserve!

That's a nice card, and you are making good progress to improve your credit.

Re: Surprise Auto CLI on Amex Delta Reserve

Rebuild2019 — Mon, 08 Nov 2021 20:48:19 GMT

Congratulations 🎉🎈🎊 on your AMEX CLI.

Re: Surprise Auto CLI on Amex Delta Reserve

ChargedUp — Tue, 09 Nov 2021 01:24:01 GMT

Congrats on a nice Amex CLI!

Re: Surprise Auto CLI on Amex Delta Reserve

M_Smart007 — Fri, 12 Nov 2021 15:15:18 GMT

Grats on the Auto CLI