AMEX Delta SkyMiles Approval $5K

imtherealghost · ‎02-08-2024

No worries, DP = Data point so basically the data behind your app. For example, any baddies on your profile, fico scores, current utilization, etc.

youngandcreditwrthy · ‎02-09-2024

@jjohnson ohhhhh yes it works s long s your score stays the same or higher.

i started at 3500 on my BCE (with a triple pull 696 TU fico and 149k income at that time)and after 61 days, I got it to 10,500... then after 181 days, I asked for 24,500 and it's been there ever since. At one point I used amex for everything and pif every month, but then started getting better cash back etc, THey watch you like a hawk too! I moved from a texas suburb to a large city once and they tried to CLD my 24,500 to 1500 It hink it was based on zipcode change. got them to reinstate but good lord it was annoying. i ran probably 10-20K through that card a yer which is a lot to me.

also noteworthy: amex is known to ask for tax returns if you start to get in the 30-40k CL range... so I ws strategic because I also have a 5k CL Delta Gold that I wanted an increase on and raised that to 10k after a few months. and then opened a 2k hilton surpass, after that which was in excess of 35k, I stopped asking for CLIs because my tax documents are sensitive and I'm satified with that amount of credit.

so imo, don't try to get more than 25/30k on one card or more than about 35-40K total amex exposure or be preapred to show them your taxes. lol Good luck :-)

PS: since you started out w 5k CL with Delta Gold, sk for 15k after 61 dys or two statement, maybe even three considering the fuzzy math, but six months after that I would not ask for more than 25k to avoid them requesting taxes or "financial reviewing" you and wanting your first new born (ieven ifit has not happened LOL)

janderson126 · ‎02-09-2024

Congrats on your new card and approval.

Amex is a great company to let grow with time.

Total Credit Line Summary (TCLS)

AMEX: $52,450
NAVY: $50,000
Sync (Sam's Card and PayPal Cash Back): $30,000
Mix of Other Cards: $25,000 – These are used for various expenses, including holidays and other purchases, with balances typically paid in full or kept at 1-2% utilization.
Total Credit Line Available: $180,000+

Credit cards are for emergencies (like tacos... just kidding). Use them responsibly!

jjohnson · ‎02-10-2024

Great information.

Thank you for sharing and laying out a strategy.

I will definitely attempt it.

Ch. 7 BK Discharged May 2017

In My Wallet:

Total Credit Limit $18.1K | Utilization 16.37%

FICO 8s 7.2023

FICO 8s 2.2024

Starting Score: 633
Current Score: 654
Goal Score: 750

Take the myFICO Fitness Challenge

KingRue8500 · ‎02-10-2024

Congrats on your AMEX Delta SkyMiles Gold approval

NoMoreDebt · ‎02-10-2024

Congrats on your approval

AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX CHARLES SCHWAB INVESTOR CARD $25,000 CL/ AMEX MORGAN STANLEY BLUE CASH $5K CL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $5000 CL/AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $18,000 / FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ PAYPAL CREDIT LINE $1700/NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL