Delta reserve

[Gornet]

Just called in and they sad I can't upgrade until my year is over unless I submit a new application. Do you think if I app for the reserve card I would be accepted? And I I apply would it be a hard pull or soft pull? Agh decisions decisions

[Gornet]

And is the annual fee due on the first month or at the end of the year? Thanks in advance

[Anonymous]

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@Gornet wrote:
And is the annual fee due on the first month or at the end of the year? Thanks in advance

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AF is billed on the first statement.

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@Gornet wrote:
Just called in and they sad I can't upgrade until my year is over unless I submit a new application. Do you think if I app for the reserve card I would be accepted? And I I apply would it be a hard pull or soft pull? Agh decisions decisions

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Has your credit changed since you were denied the Plat? Have you gad this card long enough to req a CLI? If so, was it approved?

SP if denied; hp if approved 

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[Gornet]

My credit went down because 20% utilization... What's the easiest way to get it back to 1-9%? I am going to request a cli very soon, maybe in the next 10 days. I will let you guys know how that goes!

[Gornet]

And is the annual fee due the first month or at the end of the year?

[Anonymous]

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@Gornet wrote:
And is the annual fee due the first month or at the end of the year?

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@Anonymous wrote:

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@Gornet wrote:
And is the annual fee due on the first month or at the end of the year? Thanks in advance

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AF is billed on the first statement.

[Anonymous]

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@Gornet wrote:
My credit went down because 20% utilization... What's the easiest way to get it back to 1-9%? I am going to request a cli very soon, maybe in the next 10 days. I will let you guys know how that goes!

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Since this is your only cc, pay your bal down. 

[Gornet]

How do I make it 1-9% ? My balance is paid 😆

[Anonymous]

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@Gornet wrote:
How do I make it 1-9% ? My balance is paid 😆

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If your balance is 0, you have no other TLs - your util should be 0.  Where are you getting 20%?

[Gornet]

When my bill generated It was 20% so I paid it off then and there. How do I get it back to 1-9%?