Amex Delta Gold CLI Advice

[tbgothard]

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. 

[Creditwiser]

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

[GZG]

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@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. 

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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. 

[tbgothard]

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

[youngandcreditwrthy]

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