Delta Gold Approved SL Confusion

bldmt · ‎10-16-2015

Thanks all!

peaceonearth · ‎10-16-2015

@bldmt wrote:
Just got approved for AMEX Delta Gold. During the approval process it said that I have a temporary 2K SL for immediate use until I receive the card. I logged on to my account and went to chat. I asked the agent if that would be mySL going forward and she said "not really, it depends on spending and how I manage the account. Has anyone had a similar experience?

I have had an AMEX ED for almost 2 years with $5,000 CL. I never played the 3X game. Recently I applied for the Platinum Delta, approved with a temporary $1K when I activated the card it showed $43,000.00 CL.

bldmt · ‎10-17-2015

Holy Moly! Congratulations!

I also have a BCP at $15K. The 6% for groceries is awesome.

NRB525 · ‎10-17-2015

@peaceonearth wrote:
@bldmt wrote:
Just got approved for AMEX Delta Gold. During the approval process it said that I have a temporary 2K SL for immediate use until I receive the card. I logged on to my account and went to chat. I asked the agent if that would be mySL going forward and she said "not really, it depends on spending and how I manage the account. Has anyone had a similar experience?
I have had an AMEX ED for almost 2 years with $5,000 CL. I never played the 3X game. Recently I applied for the Platinum Delta, approved with a temporary $1K when I activated the card it showed $43,000.00 CL.

Congrats OP. The last several AMEX that I've gotten give me the on-line temporary number with a lower CL, but they've told me up front my final limit. The EDP was $10k temporary and said $15 when the card arrives. It sounds like if they don't tell you up front what your final limit is going to be, then the roulette wheel is still spinning to decide what it will be. "Come on 45! Baby needs a new pair of shoes!"

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

bldmt · ‎10-17-2015

LOL! Maybe two pair!

Country_Feller · ‎10-17-2015

Awesome, Congratulations!!!!

myFICO=EQ 702, TU 716, EX 743br>EQ=11//TU=15//EX=11/Util 14%. Gardening since 01/02/2017.

Anonymous · ‎10-17-2015

Congrats on the approval. I just got this last month. If you sign up online it will show you your full CL. You're temp limit will show up as the available credit.