Amex Delta Gold Approval - Chances of CLI After 60?
Well, I am somewhat kicking myself for falling out of the garden, but I went for the Amex Delta Gold and was approved for $5K. I fly Delta from time to time and liked the idea of waived baggage fees and priority boarding.
I am wondering if anyone has an opinion or experience they can share in regard to my chances of a CLI after the 60 day mark, based on my current profile with Amex. I have the ED with a CL of 38K and an Optima with a CL of about $12K, so that already puts me at $50K with Amex. I pay both cards off each and every month, before the statement cuts. I am wondering if there is much of a chance of a CLI given that I already have a total credit line with Amex of $50K, plus the $5K on the Delta Gold. I am assuming that this is getting into the FR territory, or is it possible that I may get an increase?
Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days... Jan 2021: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 824 In My Wallet: Discover $73.7K; Cap1 Venture $42.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $21K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $19K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $285K My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Re: Amex Delta Gold Approval - Chances of CLI After 60?
I may be remembering wrong, but I thought the FR was for an individual account with Amex, not overall. 5k is a good starting limit for the Delta. Since you have good history with them I would think you could get some good growth with it. If not, possibly move some of your ED limit?
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000) Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian