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61 day 3x CLI on my Amex Delta Gold - Success!

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Senior Contributor

61 day 3x CLI on my Amex Delta Gold - Success!

They must have used my HP from the 4th, when I was instantly approved for my PRG, because I don't think I would have been approved for 3x based on the SP that was on file.

 

They issued me a starting CL of $2800 61 days ago, and just now requested an increse to $8400 - instantly approved.  My mouth dropped to the carpet.

 

Not even a year ago, Amex was a CO on my CRs, now I have the Zync and PRG NPSL and Delta Gold with my largest CL by more than double.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
Message 1 of 17
16 REPLIES 16
Regular Contributor

Re: 61 day 3x CLI on my Amex Delta Gold - Success!

Congratulations, OP!! Great work!

Jun 2012 FICO® ~ 734 EQ
Sep 2012 FICO® ~ 684 EQ; 734 TU
Oct 2012 FICO® ~ TBA

Goal for 2014 ~760+

Trying to stay in the garden...but also trying to get as many apps as possible for now Smiley Wink
Message 2 of 17
Senior Contributor

Re: 61 day 3x CLI on my Amex Delta Gold - Success!

Thanks!

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
Message 3 of 17
Established Contributor

Re: 61 day 3x CLI on my Amex Delta Gold - Success!

congrats!!!


Message 4 of 17
Senior Contributor

Re: 61 day 3x CLI on my Amex Delta Gold - Success!

Thanks! I'm pretty stoked!!  Based upon my spending habits over the past year, I'll never have to worry about reporting over 10%, or having that feeling of NEEDING to make that extra payment, to keep util% in check.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
Message 5 of 17
Established Contributor

Re: 61 day 3x CLI on my Amex Delta Gold - Success!

Congratulations! Day 61 is tomorrow for me on my SPG. Hope I have the same luck.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 6 of 17
Senior Contributor

Re: 61 day 3x CLI on my Amex Delta Gold - Success!


@rtw wrote:

Congratulations! Day 61 is tomorrow for me on my SPG. Hope I have the same luck.


Again, I REALLY do believe it was the successfull app'ing of the PRG 2 days ago, that secured my ability to get the full 3x.

 

Not that my util was high when I app'd the Delta Gold (thus the SP they would have used for todays 3x CLI request), but my util is under 7% based upon the HP from the 4th.

 

So just make sure they have the best possible SP on file, and you'll be golden.

 

I don't think I even ran more than the needed $500 spend requirement through the card, as I use my Zync (soon to be PRG when it arrives Monday) for all my spending.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
Message 7 of 17
Established Contributor

Re: 61 day 3x CLI on my Amex Delta Gold - Success!

 

 

Congrats!!!  Thats awesome.

 

Can I ask if you did pay the Collection that you had with Amex?  I have burned them in the past, about 8 years ago.  I would love to get back with them, but not sure if I would get approved.

 

 


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 8 of 17
Valued Contributor

Re: 61 day 3x CLI on my Amex Delta Gold - Success!

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 815 TU 816
Message 9 of 17
Senior Contributor

Re: 61 day 3x CLI on my Amex Delta Gold - Success!


@tennisfan78 wrote:

 

 

Congrats!!!  Thats awesome.

 

Can I ask if you did pay the Collection that you had with Amex?  I have burned them in the past, about 8 years ago.  I would love to get back with them, but not sure if I would get approved.

 

 


It was a $5 interest fee that they tacked on to my account AFTER the card was closed by THEM.  This was back in 2008 when they started to CLD everyone and close-up accounts after SP'ing people and likely did the same to me once they saw the repo reported.

 

Like an idiot, I let that $5 fee go up to $130 because I refused to pay something that was assessed AFTER the account was closed.

 

Short of the long, it was paid a few years after the account was closed, and this year I sent a GW to exec relations, and they deleted the entire TL.  Internally, they still show my past history with them, but I ultimately have gotten this far with them, after that blip.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
Message 10 of 17
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