@Anonymous wrote:
What are your limits on other cards on avg? Discover $3500 Which discover card is this? Just curious :-) I would be requesting CLI's on these every 30-90 days, Discover it $4k, Barclays Apple rewards $6,250 Some have luck with barclays by calling in and asking for a APR reduction, and then you are able to get a CLI without a HP, Amex delta gold $1k, Cap1 QS $3250Request CLI's every 6 months...all with zero bal. $1k amex ed with $900 balance, haven't paid off b/c o% interest Like others have said this is very high utilization I would pay this down to 300 or less ASAP, Chase slate $7500 limit, $6200 balance b/c 0% balance transfer. This is another concern Your overall util is not bad, but the cards you are using are maxed out. This shoudl be paid down to 2500 or less ASAP.
I have seen a few folks specifically with delta golds be grid locked into really low limits. Honestly, how often would you make a delta purchase higher than 1k? Not often, like the points but could switch to other cards.
I have personally attempted to get an auto increase by using the card exclusively and didnt have much luck. Instead I will reallocate limit from another card. You can at least try for APR reductions during this time.
Isnt there some way a person could call and push for a financial review, try to reveal your assets and such? Since your income is so high it might help but could be a hassle.
As far as applying for the platinum I would only do that if you could get the 60k miles offer but even then you are paying $195 af the first year (essentially $95 year one since you get $100 credit after first delta purchase) You also get an annual companion pass which is nice for domestic flights. I did check and am eligible for the 60k bonus, and like the companion ticket. Ideally I'd get this for airline milesand HH honors citi premier for free weekend nights.
You may just have to consider another creditor. Or write a few goodwill letters to get the late payment removed, (dont those drop off after 7 years?) I think I've got a few more months before I can get an ee, tried goodwill letters t the board of directors at AHFS and no luck there, these are my only remaining baddies though and they are about to age off.
Random notes etc. Thanks for the detailed reply. I always try to advise/work on other things so the other stuff doesnt seem so bad..
I would def advise against apping for a 3rd amex, unless you want another $1k limit card. Are you close to a delta hub? Do you use any other airlines often?
Have you checked for prequalified offers with citibank?
