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Amex Delta upgrade 2x...

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TRC_WA
Senior Contributor

Amex Delta upgrade 2x...

My credit reports were dirty from a 2017 Ch 13 (Amex not IIB) and Amex gave me a $10k Delta Gold in mid 2022 when I was 5+ years out of BK.

 

Everything fell off in January... I applied for a CLI and was denied.

 

I got a popup a couple weeks ago about upgrading to a Platinum so I accepted... card arrived last week.  I got a popup this morning about upgrading to the Reserve so I accepted... and was approved.

 

2x card upgrades in the same month?  I'll take it.  My research says the Reserve is the better card (with the $650 AF) but I fly a lot of Delta so it's all good.

 

My 91 day from last CLI request is next week... maybe I'll finally get one.  Smiley LOL

 

FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 1 of 12
11 REPLIES 11
JoeRockhead
Senior Contributor

Re: Amex Delta upgrade 2x...

Congratulations on the upgrades, and best of luck on the upcoming CLI request!

Message 2 of 12
coldfusion
Community Leader
Mega Contributor

Re: Amex Delta upgrade 2x...

congrats on the back-to-back double upgrade - that's pretty funny.  :-)

 

Was there an upgrade bonus extended with either of the offers?   

(2/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 3 of 12
TRC_WA
Senior Contributor

Re: Amex Delta upgrade 2x...

@coldfusion 

 

I did not get an upgrade bonus with the Platinum.  I did get one with the Reserve though... 15k bonus miles with a $2000 spend in 6 months.

 

Pretty easy to get and will aid in the next free flight I take.  Smiley LOL

FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 4 of 12
CorpCrMgr1
Valued Contributor

Re: Amex Delta upgrade 2x...

Congratulations on your upgrades! 

Message 5 of 12
keekers
Valued Contributor

Re: Amex Delta upgrade 2x...

Congrats.


Message 6 of 12
NoMoreDebt
Senior Contributor

Re: Amex Delta upgrade 2x...

congrats

AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $5000 SL/ 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
Message 7 of 12
nytokyobred79
Valued Contributor

Re: Amex Delta upgrade 2x...

Congrats on your upgrades and getting the SUB miles for the Reserve. 

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $215,200 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $40.5K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $39.8K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
Message 8 of 12
firefox100
Valued Contributor

Re: Amex Delta upgrade 2x...

Congratulations on your up grades enjoy them all.

Message 9 of 12
TRC_WA
Senior Contributor

Re: Amex Delta upgrade 2x...


@JoeRockhead wrote:

Congratulations on the upgrades, and best of luck on the upcoming CLI request!


... and I crashed and burned with the CLI request once again.  Almost 2 years of heavy usage and PIF... and Amex won't budge off the $10k.  I guess I need to be grateful they gave me that SL when I opened the account.  Smiley LOL

FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 10 of 12
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