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Surprise approval, Amex Delta Gold

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Valued Contributor

Surprise approval, Amex Delta Gold

My profile only goes back to April, except for an old gas card on Equifax, and an AU added in June. I have severe credit-seeking behavior and numerous hard inquiries in recent months. So, I am excited that I got approved for the Amex Delta Gold, though it's not normally considered that hard to get, and my CL is only $1,000.

 

I didn't prequalify for anything except subprimes and secured cards (not even many of those) until about a week and a half ago, when the Delta Gold started appearing on my incognito prequalified offers list. It was the only card to appear there. I applied and was insta-declined. I called to get reconsidered, and today, received a letter in the mail saying they stood by their decision and still declined me.

 

Today, I noticed that when I clicked the Apply button for Marriott Bonvoy, it said "KJinNC, you are preapproved!" Surprised, I checked other cards, and noticed that I saw that language on all credit cards (though not on charge cards, perhaps because I had a charge card already). I am in the middle of planning a trip to Europe, which will be on Delta, so ... .... ... after staring at the words "you are preapproved" for half an hour, I went incognito and applied again. I was shocked to be approved, though for only $1,000.

 

Question, if I were to call and say I need a higher limit to buy plane tickets on the card, is that something they might do, or must I wait 91 days for a credit limit increase?


No derogs, but tons of inquiries and heavy credit-seeking behavior. In March of 2019, I had no open accounts, a charge-off, two collections, and scores in the low 500s. What I call the "thick build method" worked for me, but may not work for every situation.
Cards

Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $89,900, not counting the AU card. The AU card brings the total to $114,900. In March 2019, card CLs totaled $0.

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | American Express Delta Gold, $1,000, 09/19-10/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Message 1 of 14
13 REPLIES 13
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Established Contributor

Re: Surprise approval, Amex Delta Gold

How does incognito mode help? 

Message 2 of 14
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Valued Contributor

Re: Surprise approval, Amex Delta Gold


@Hockeypnc1 wrote:

How does incognito mode help? 


I can't see prequalified offers unless I use incognito - the tab doesn't appear on my web browser. That may be because I have a corporate card, I can't really troubleshoot to find out. But in any case, conventional wisdom is that you usually get better SUBs via incognito.

 

I saw preapproval for the card without incognito, then went incognito and checked for prequalified offers to get the slightly better SUB (35k miles instead of 30k).


No derogs, but tons of inquiries and heavy credit-seeking behavior. In March of 2019, I had no open accounts, a charge-off, two collections, and scores in the low 500s. What I call the "thick build method" worked for me, but may not work for every situation.
Cards

Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $89,900, not counting the AU card. The AU card brings the total to $114,900. In March 2019, card CLs totaled $0.

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | American Express Delta Gold, $1,000, 09/19-10/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Message 3 of 14
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Valued Contributor

Re: Surprise approval, Amex Delta Gold

Congrats on your Approval @KJinNC! From my experience, they won't budge on adjusting your limit, but SOMETIMES they'll let you spend over limit. $1k is the borderline "we're going to take a chance on you" limit. They bucket people just like Cap1, just not as aggressively. In 91 days as long as your scores stay (or grow) you should be able to get it up to $3k, and then in 6 more months up to $9k. 

 

Keep in mind Amex only lets you increase a credit limit on any one of their cards every six months so you'll need to choose either grow 1 and leave the other behind for a year, or flip flop between them. 

Message 4 of 14
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Valued Contributor

Re: Surprise approval, Amex Delta Gold

Thanks. If I did want to ask for a bump, is there a particular number I should call, or is it all the same including chat?

 

My other Amex card is a charge card, so, no need to ask for a CLI on it. Though I am also interested in getting a hotel card, but I don't know if I'll push my luck on it in the near future!


No derogs, but tons of inquiries and heavy credit-seeking behavior. In March of 2019, I had no open accounts, a charge-off, two collections, and scores in the low 500s. What I call the "thick build method" worked for me, but may not work for every situation.
Cards

Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $89,900, not counting the AU card. The AU card brings the total to $114,900. In March 2019, card CLs totaled $0.

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | American Express Delta Gold, $1,000, 09/19-10/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Message 5 of 14
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Valued Contributor

Re: Surprise approval, Amex Delta Gold

Amex has one of the best CLI systems. Whether you call, chat or do it online it will be painless. Some banks (like Synchrony) have a higher likelyhood of a SP CLI depending on how you ask for it, but Amex is consistent with theirs.

I’ve done every one of mine online and never had an issue. It will let you know quickly and let’s say you ask for 3k and it denies, then you can go back ask for 2800, 2700, 2600 and keep countering until it approves you. Several people have done this and get approved just fine
Message 6 of 14
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Frequent Contributor

Re: Surprise approval, Amex Delta Gold

Congratulations!!!!

Open Credit Cards:
Green Dot Primor Secured (5/18) - $450 CL (CLOSED 2/2020)
Capital One Platinum (8/18) PC'd to Quicksilver (9/19) - $800 CL
Capital One QuicksilverOne (3/19) - $1650 CL
Merrick Bank DYL VISA - No AF (6/19) - $1400 CL
Discover it Cash Back (9/19) - $1300 CL
Amazon Prime Store Card (4/20) - $4800 CL
NFCU cashRewards (4/20) - $1500 CL
BB&T Spectrum Cash Rewards (5/20) - $3500 CL

Experian FICO Score - 8/2018: 528

Experian FICO 8 Score - 9/2020 - 672
Equifax FICO 8 score 9/2020 - 674
TransUnion FICO 8 score 10/2020 - 658
Message 7 of 14
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New Contributor

Re: Surprise approval, Amex Delta Gold

How do you do the incognito search?
Message 8 of 14
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Valued Contributor

Re: Surprise approval, Amex Delta Gold

It may work a bit differently depending operating system and browser, but I use Chrome on a Mac. In the upper right, there are three vertical dots. Click them and you see a list of options, one of which is incognito window. Choose that, then go to the American Express web site. Check for prequalified offers and enter your information (name, address etc). You will then get a list of prequalified offers. You can click to apply then. You also can apply for any other card via incognito, but I'm not sure there's a benefit to doing that if you didn't get a prequalified offer for that card with a better SUB. Hope that helps!


No derogs, but tons of inquiries and heavy credit-seeking behavior. In March of 2019, I had no open accounts, a charge-off, two collections, and scores in the low 500s. What I call the "thick build method" worked for me, but may not work for every situation.
Cards

Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $89,900, not counting the AU card. The AU card brings the total to $114,900. In March 2019, card CLs totaled $0.

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | American Express Delta Gold, $1,000, 09/19-10/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Message 9 of 14
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Epic Contributor

Re: Surprise approval, Amex Delta Gold

Congrats on your Amex approval!

Message 10 of 14
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