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Denied CLI for Delta Skymiles Platinum Card (Started with Gold)

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jamerican-girl
Contributor
‎08-30-2022 08:52 AM
‎08-30-2022 08:52 AM

Re: Denied CLI for Delta Skymiles Platinum Card (Started with Gold)

@SDMarik, I called AMEX because I wanted to see if they would tell me over the phone. The rep said it was because of income. I didn't go with the full household income. Should I have done that? My salary is $85K. The total household income is around $160K. 

Keepers:
Wells Fargo: Active Cash - SL: $10,000
Synchrony: PayPal MC Rewards - SL: $8,000 CL: $15,000; Venmo - SL: $4,300, CL: $10,000; Lowe's - SL: $2,000 CL: $10,000; Care Credit - SL: 500 CL: $3,000
Amex: Delta SkyMiles Platinum - SL: $1,000 CL: $4,000; Blue Cash Preferred - SL: $2,000 CL: $4,000; Marriott Bonvoy Bevy - SL $1,700; Hilton Honors Surpass - SL: $8,000
Citi: Costco Anywhere Visa - SL: $8,800; CL: $10,000; Custom Cash Card - SL: $3,500; Wayfair Card - SL: $5,000 CL: $9,100;
PenFed: Gold Card - SL: $3,500 CL: $7,500; Power Cash Rewards - SL: $2,500 CL: $7,500
Bread American Express Cashback - SL: $5,000 CL: $7,500
Mercury Finance - SL: $3,500 CL: $4,250;
Goldman Sachs: Apple Card - SL: $6,000 CL: $6,500; Marcus: GM Card - SL: $3,000;
Kohl's - CL: $3,500; CFNA Firestone - SL: $800, CL: $3,200

Sock Drawer:
Capital One: QuickSilver - CL: $1,250 (finally got CLI)
Sofi: SL: $2,500;
Merrick Bank: CL: $1,300 (can't close, one of my oldest tradelines);
BOA: Customized Cash Rewards - SL $500, CL: $1,500;

Chopping Block:
Capital One: Platinum MC - CL: $600 (they won't give me a CLI);
Credit One: 2 cards with $1,500 & $2,200 CL
Prosper: $1,400

Goal Cards:
Chase Sapphire, WF Autograph and PenFed Platinum Rewards

Car Loans: 1 loan.
Car: 2023 Audi A4 SLine
Paid off:
VW Financial Services: 2020 Jetta
Exeter Finance: 2015 Jetta
Message 11 of 16
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Priory_Man
Valued Contributor
‎08-30-2022 09:22 AM
‎08-30-2022 09:22 AM

Re: Denied CLI for Delta Skymiles Platinum Card (Started with Gold)

If you have access to the full income then why not. Just be prepared to prove that you do which is easily done if you file your taxes jointly.






"Total revolving credit $286,000 Current UTIL >1%"
Message 12 of 16
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jamerican-girl
Contributor
‎08-30-2022 09:25 AM
‎08-30-2022 09:25 AM

Re: Denied CLI for Delta Skymiles Platinum Card (Started with Gold)

OK. I changed the income on my profile. I'll try applying for a CLI in a few months. 

Keepers:
Wells Fargo: Active Cash - SL: $10,000
Synchrony: PayPal MC Rewards - SL: $8,000 CL: $15,000; Venmo - SL: $4,300, CL: $10,000; Lowe's - SL: $2,000 CL: $10,000; Care Credit - SL: 500 CL: $3,000
Amex: Delta SkyMiles Platinum - SL: $1,000 CL: $4,000; Blue Cash Preferred - SL: $2,000 CL: $4,000; Marriott Bonvoy Bevy - SL $1,700; Hilton Honors Surpass - SL: $8,000
Citi: Costco Anywhere Visa - SL: $8,800; CL: $10,000; Custom Cash Card - SL: $3,500; Wayfair Card - SL: $5,000 CL: $9,100;
PenFed: Gold Card - SL: $3,500 CL: $7,500; Power Cash Rewards - SL: $2,500 CL: $7,500
Bread American Express Cashback - SL: $5,000 CL: $7,500
Mercury Finance - SL: $3,500 CL: $4,250;
Goldman Sachs: Apple Card - SL: $6,000 CL: $6,500; Marcus: GM Card - SL: $3,000;
Kohl's - CL: $3,500; CFNA Firestone - SL: $800, CL: $3,200

Sock Drawer:
Capital One: QuickSilver - CL: $1,250 (finally got CLI)
Sofi: SL: $2,500;
Merrick Bank: CL: $1,300 (can't close, one of my oldest tradelines);
BOA: Customized Cash Rewards - SL $500, CL: $1,500;

Chopping Block:
Capital One: Platinum MC - CL: $600 (they won't give me a CLI);
Credit One: 2 cards with $1,500 & $2,200 CL
Prosper: $1,400

Goal Cards:
Chase Sapphire, WF Autograph and PenFed Platinum Rewards

Car Loans: 1 loan.
Car: 2023 Audi A4 SLine
Paid off:
VW Financial Services: 2020 Jetta
Exeter Finance: 2015 Jetta
Message 13 of 16
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SDMarik
Established Contributor
‎08-30-2022 12:03 PM
‎08-30-2022 12:03 PM

Re: Denied CLI for Delta Skymiles Platinum Card (Started with Gold)

@jamerican-girl wrote:

@SDMarik, I called AMEX because I wanted to see if they would tell me over the phone. The rep said it was because of income. I didn't go with the full household income. Should I have done that? My salary is $85K. The total household income is around $160K. 

Only use household income if you have access to all of it, but if you do then sure. With the income updated, it's definately worth a shot again in a few months. Keep us posted!



"When prosperity comes, do not use all of it"
Message 14 of 16
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OmarGB9
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎08-30-2022 02:19 PM
‎08-30-2022 02:19 PM

Re: Denied CLI for Delta Skymiles Platinum Card (Started with Gold)

I don't think the denial would be due to income, IMO. I think the CSR was mistaken. If you don't mind reporting back when you get the letter in the mail, please do.

 

I'm thinking it's those negatives in your file. Though they're old, they're still showing up. Amex seems to like to approve people who are borderline with a $1k SL, and then keep you on a short leash and deny CLIs for a while due to derogs still present.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 15 of 16
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RDO
Contributor
‎08-30-2022 07:52 PM
‎08-30-2022 07:52 PM

Re: Denied CLI for Delta Skymiles Platinum Card (Started with Gold)

@jamerican-girl wrote:

I've had a Delta Skymiles card for 13 months. I started out with the Gold card with a SL of $1,000. I was offered an upgrade to platinum and that was approved. I keep the balance very low and pay twice before the closing date. I've tried a couple times for a CLI and was denied.  Is there anything I should be doing when I request a CLI for the Skymiles card? Thank you in advance for your input. 

Don't worry, it will be soon for you CLI.  I started with a 1k SL on my delta gold as well,  and it took 15 months to get my first increase.  My card is now at 19k at 30 months later from obtaining my card.

Amex Gold NSPL / Amex CS Platinum NSPL /
Amex BCE $30.6k / Amex Hilton Surpass $10k /
Amex Delta Gold $9.7k / Amex BBP $6k /
Amex Bonvoy Business $10k / C1 QS $3.2k /
C1 Venture X $19.5k / C1 Kohls $5k/
Chase unlimited $4k / Chase Sapphire $21.8k /
Chase Flex $16.8k / verizon visa $8k / Citi CCC $500 / Wells Fargo Slumberland $4.8k
max cash preferred $3k / chase prime visa $20K
Message 16 of 16
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