Received my Delta Skymiles Amex today and called to activate so I could ask for a CLI. My current EX Score is around 663 and my TU is 700 on the nose. I have a lot of new credit blended with a couple of closed in good standing cards that will be on my report for a few more years. I have one baddie which is a paid charge off from BofA and the only reporting difference is that TU does not list the 30, 60, 90, 120 etc lates that lead up to the CO and hence the higher TU score.
Anyway, I'm sure I squeezed in at the lower part of the approval scale for this card and is reflected in the initial $1k limit. I asked for $3k on the phone and they said they'd sent me an email. 60-seconds later received and email with a phone # to call. When I called, the nice gentleman told me "I regret to inform you that your CLI request as not approved because your account is too new. Please request again after 60 days". No worries, I will! 
I knew in advance from reading this thread that it would not hurt to ask.
Interestingly enough, when I set up and logged in to my online account it said "Member since 1985". HOLY COW, they remembered. My very first credit card was a green card and I was in college. My guess is that I left a balance on the table with them many many years ago but they obviously have forgiven me. I asked if my card should say 1985 but he said no it will say the year that I opened that specific card account which in this case is 2016. Is that accurate?
Anyway, for others that are interested in people like me that are slowly rebuilding and following the advice on this forum, I thought I'd share my recent experience with becoming a new Amex customer.....again.
Cheers!
@Anonymous wrote:Received my Delta Skymiles Amex today and called to activate so I could ask for a CLI. My current EX Score is around 663 and my TU is 700 on the nose. I have a lot of new credit blended with a couple of closed in good standing cards that will be on my report for a few more years. I have one baddie which is a paid charge off from BofA and the only reporting difference is that TU does not list the 30, 60, 90, 120 etc lates that lead up to the CO and hence the higher TU score.
Anyway, I'm sure I squeezed in at the lower part of the approval scale for this card and is reflected in the initial $1k limit. I asked for $3k on the phone and they said they'd sent me an email. 60-seconds later received and email with a phone # to call. When I called, the nice gentleman told me "I regret to inform you that your CLI request as not approved because your account is too new. Please request again after 60 days". No worries, I will!
Interestingly enough, when I set up and logged in to my online account it said "Member since 1985". HOLY COW, they remembered. My very first credit card was a green card and I was in college. My guess is that I left a balance on the table with them many many years ago but they obviously have forgiven me. I asked if my card should say 1985 but he said no it will say the year that I opened that specific card account which in this case is 2016. Is that accurate?
Anyway, for others that are interested in people like me that are slowly rebuilding and following the advice on this forum, I thought I'd share my recent experience with becoming a new Amex customer.....again.
Cheers!
If you want, they will change the card to say 'Member since 1985' but it's just cosmetic. Amex does not backdate on credit reports any longer so it will report as opened in 3/16.