Any tips for a new AmEx member??

[bk13girl]

Hey there.

Congrats on the AMEX Delta. I have this card and started like you with 1k. On my 61st day I applied for the 3x limit and received...nada!!! So you can't go by that. I still haven't applied for a CLI. I'll wait until my year is up with them, which is in May. You got to be patience with AMEX.

I would PIF each month and wait 6 months before asking for a CLI. Make sure your scores are above 660 when asking as well and make sure your utlization is under 30%.

Good Luck!

[Anonymous]

My 61 day mark is coming up next week. I've put 2k through the card each month. Posted 0 balance last month. Paid almost in full today Left $80 on it this month only so I can post a balance on some of my accounts, as I am getting alerts about having to many accounts with 0 balance. Statement cuts the 18th. My EX score is almost identical to yours. 1k starting limit. Interested to see how it plays out as I have opened a couple new cards recently with higher SL. I will update next week when I know🤞

[Anonymous]

Thanks for this thread and replies , Got approved the other day for a Gold Delta Skymiles card so pretty excited as this was one of the cards I have wanted for awhile. 

[Anonymous]

If I known this earlier, I would ask for CLI every 61 days since 2015. I only asked for two CLI since I first opened. I really missed a lot and I wished I read through all the info here last time. I just paid off $12k of Amex in the last September until now but only received a $4000 CLI because of my stupid fingers by asking only $4000. Do you think I can apply another Amex card with the SP pull or is that too soon? Thanks. 

[Anonymous]

Congrats for getting the Delta Gold!

[Anonymous]

UPDATE*** Logged in to my account last night and noticed a $500 auto CLI. I'm a few days short of the 61 day mark. Tried to hit the LUV button to see if maybe there's some more and got the message that I'm not eligible for an increase until the 60 day mark lol. Hopefully this is a good sign of being approved for the 61 day 3x CLI. On a side note I had posted earlier that I was going to leave a balance of $80 this month but I paid it to zero before this months statement cuts, which is today.

[Anonymous]

I know that AmEx has a sophisticated internal scoring rubric that they definitely adhere to in addition to your actual FICOs. YMMV, but in my experience, I've had a lot of success running a substantial amount of spend through my cards (using a high percentage of utilization, but ALWAYS PIF) in order to show them both that I can spend a lot, and I stay on top of my bills.

The other thing I would advise is to build up a bit of a rapport with them while allowing your FICOs to increase before apping for another card. AmEx has different underwriting standards for co-branded cards (i.e., Delta Gold) than their own cards (BCE). I think allowing your FICOs to grow above 680 (they usually pull Experian, but I've had them pull TU as well), before you app for another card is your best bet to get approved.