topic For all you Amex Delta Skymiles Card Holders.... in Credit Cards

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

travelguru — Tue, 25 Sep 2007 06:08:31 GMT

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.

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

future — Tue, 25 Sep 2007 06:20:22 GMT

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 score

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

travelguru — Tue, 25 Sep 2007 06:30:48 GMT

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?

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

future — Tue, 25 Sep 2007 07:21:19 GMT

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

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

travelguru — Tue, 25 Sep 2007 07:32:09 GMT

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

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

travelguru — Tue, 25 Sep 2007 07:36:24 GMT

And also, would they do a hard or soft pull?

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

future — Tue, 25 Sep 2007 07:40:49 GMT

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

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

travelguru — Tue, 25 Sep 2007 07:43:48 GMT

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.

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

Anonymous — Tue, 25 Sep 2007 17:31:54 GMT

Have you had the card 30 days? You should have the card 30 days before you request.

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

travelguru — Tue, 25 Sep 2007 17:46:01 GMT

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!

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

Anonymous — Tue, 25 Sep 2007 21:06:31 GMT

travelguru wrote:
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!

Wow Guru!!! WTG

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

travelguru — Sat, 06 Oct 2007 15:31:09 GMT

So I am curious since I just received a $4000 CLI a week ago, and don't plan on needing any additional for now, when should I apply for another CLI? I am planning on charging around $3000 a month and I am able to PIF every month. The extra available CL would be great and would increase my scores which are on the way up every month. So I guess what I am asking is when is it safe with American Express for a CLI? Every 30 days, 60 days, or like 6 months? If I asked for another $5000 in a month do you think they would deny this if I just paid off a $3200 balance in full and the rest of my CC have a 1-3% utilization?

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

travelguru — Sun, 07 Oct 2007 12:25:41 GMT

Anyone out there???

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

Anonymous — Sun, 07 Oct 2007 13:16:43 GMT

You say you dont need the additional cred. If you PIF every month you can just change the payment date so that your payment arrives before te reporting date so utilization should not be a factor. You can requst a CLI as often as you want as llong as you dont mind when Amex takes notice of you.

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

travelguru — Sun, 07 Oct 2007 14:00:59 GMT

So by requesting another CLI in 30 days (if I am approved for it) this would increase my chances of getting the dreaded FR by Amex?

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

Anonymous — Sun, 07 Oct 2007 14:06:30 GMT

there are some that say if you hold an amex your eventually getting an fr, and some who say the user triggers it. it's your call which school of thought you subscribe to. either way good luck!

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

Anonymous — Sun, 07 Oct 2007 14:38:30 GMT

True but repeated request for additional credit as well as opening up new credit accounts in a short period of time have historically resulted in that dreaded red box on the accounts page.

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

travelguru — Sun, 07 Oct 2007 14:46:33 GMT

Well if I really don't care if Amex does do a FR on me, and I have been charging a large amount monthly and PIF every month, does this increase my chances of receiving another increase? I have a nice income so I was truthful on the application. Just curious.

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

Anonymous — Sun, 07 Oct 2007 14:59:27 GMT

travelguru wrote:
Well if I really don't care if Amex does do a FR on me, and I have been charging a large amount monthly and PIF every month, does this increase my chances of receiving another increase? I have a nice income so I was truthful on the application. Just curious.

Like I said as long s you don't mind them taking notice. Not worried about the income you reported just curious if it is enough to supposrt your addtional requests for credit as well as any new accoutns you may have opened since applying with them and any subsequent CLIs.

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

haulingthescoreup — Sun, 07 Oct 2007 17:20:17 GMT

travelguru wrote:
Well if I really don't care if Amex does do a FR on me, and I have been charging a large amount monthly and PIF every month, does this increase my chances of receiving another increase? I have a nice income so I was truthful on the application. Just curious.

I'm just an interested bystander in the whole FR thing, but I have read that if you're flirting with it, you should have a non-AmEx card with you at all times in case they freeze up your card(s) all of a sudden. You don't want to look like those poor schmucks on the TV commercials.

No one ever expects the Spanish Inquisition!