topic Re: Amex Delta Gold CLI Advice in Credit Card Applications

Amex Delta Gold CLI Advice

tbgothard — Thu, 02 Jan 2025 03:45:51 GMT

My P2 is coming up on their first CLI on Delta Gold. SL was $10k. I don't know if we should be conservative and ask for $20k or ask for 3X. We are trying to avoid a 4506-C as we are are currently "married filing separately" but used combined income for credit. But want the larger CL to pay for a few trips in full and hit the $200 flight credit early in the year.

Highest CL is CSP at $21k. 2/24 new accounts. 1/12 inquiries. 32% util reporting. Was at 40% when approved for the card. AAoA 7.5 years. FICO 8s 760-775.

Re: Amex Delta Gold CLI Advice

Creditwiser — Thu, 02 Jan 2025 04:40:10 GMT

For many, 35k seems to have been the Magic number for 4506-C. I would stay below 35k if you're nervous about it.

Re: Amex Delta Gold CLI Advice

GZG — Thu, 02 Jan 2025 04:57:43 GMT

@tbgothard wrote:
My P2 is coming up on their first CLI on Delta Gold. SL was $10k. I don't know if we should be conservative and ask for $20k or ask for 3X. We are trying to avoid a 4506-C as we are are currently "married filing separately" but used combined income for credit. But want the larger CL to pay for a few trips in full and hit the $200 flight credit early in the year.

Highest CL is CSP at $21k. 2/24 new accounts. 1/12 inquiries. 32% util reporting. Was at 40% when approved for the card. AAoA 7.5 years. FICO 8s 760-775.

utilization is a bit high, is this carried utilization or just utilization showing but PIF?

do they have any other Amex cards where CL reallocation could be used to supplement a smaller CLI?

IMO, you're under $35k, ask for what you need, if that's $30k ask for $30k, if that's $22k, ask for $22k.

Re: Amex Delta Gold CLI Advice

tbgothard — Thu, 02 Jan 2025 18:00:01 GMT

Thanks! I had $30k in my head as the trigger. He asked for $25k and received instant approval.

Re: Amex Delta Gold CLI Advice

youngandcreditwrthy — Thu, 02 Jan 2025 23:59:17 GMT

Do you have any other amex cards @tbgothard i? f no, ask for $24,500. That's what I did. worked out great and no FR. FR happens around 30k+ At one time I had around 31 or maybe it was 35k in Amex lines $24,500 on a blue cash card, 10k on a delta gold, and 1k on the old hilton and never got FR'ed bc at that time amex would only FR around the 30-35k.. like if you wanted to go higher than that. I never asked for any CLIs once I hit those limits.

edit: congrats on the approval! but be careful with any additional Amex cards for you are 11k away from a FR. lol