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Should I upgrade Amex Delta Gold ( gold miles card ) Delta SkyMiles Platinum American Express Card

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janderson126
Contributor

Re: Should I upgrade Amex Delta Gold ( gold miles card ) to Platinum?

@Anonymous  

I wanted to say I approve of your logo. Go SF!! 

Thank you for taking the time to stop in 

Isn't that the truth? However, I am in the higher 700's so I am sure I got a good chance. However, it makes me a little nervous because I know AMEX is tricky at times; I mean, the pre-approved message shows now, so that is something at least right. 

 

Do you know what credit report they will pull? That way, I can give a better estimate of my score. 

 

Good suggestion on the app right away, and as well as keeping the Gold card, I might downgrade it as suggested by @K-in-Boston  

AMEX Delta Gold | Travel | 5k | 12/19
AMEX Delta Plat | 7k | 4/21
Navy Rewards | Gas | 18k | 06/20
Capone Savor | Entertainment | 3.5k | 1/20
Cap one | 6.5k | 1/10
Cap one Walmart | 2k| 10/17
PayPal Master Card | 2% Everyday Spend | 15k | 6/20
Venmo | 12K | 01/2024

Message 11 of 34
janderson126
Contributor

Re: Should I upgrade Amex Delta Gold ( gold miles card ) to Platinum?

I had a feeling that you would say that Smiley Happy 

I understand that it's my decision; however, discussing this in greater detail has helped me understand it better, which is needed for bigger decisions like this. 

 

If I move most of it, once approved, would it still be a good idea to downgrade it to a Blue, or would it be better to move most of it and have it as a closed card? ( the current gold ) 

 

Good tip on the waiting until after the AF hits 

AMEX Delta Gold | Travel | 5k | 12/19
AMEX Delta Plat | 7k | 4/21
Navy Rewards | Gas | 18k | 06/20
Capone Savor | Entertainment | 3.5k | 1/20
Cap one | 6.5k | 1/10
Cap one Walmart | 2k| 10/17
PayPal Master Card | 2% Everyday Spend | 15k | 6/20
Venmo | 12K | 01/2024

Message 12 of 34
K-in-Boston
Credit Mentor

Re: Should I upgrade Amex Delta Gold ( gold miles card ) to Platinum?

They will use your Experian FICO 8 score.  In most (not all) cases, existing Amex cardholders do not even receive a hard inquiry when applying for additional Amex products.  Again, I would be shocked if you were declined but even if it resulted in a decline you likely wouldn't even have an inquiry to show for it.  Unless you've opened up a lot of cards recently I really can't see an approval not happening.

 

It's really up to you on whether to downgrade or close.  Blue won't exactly be useful, but you can't even get the small Welcome Offer on that card if you have, or have recently had, any Amex Delta card anyway. 

Message 13 of 34
janderson126
Contributor

Re: Should I upgrade Amex Delta Gold ( gold miles card ) to Platinum?

In that case 

I just checked my FICO 8 score. It's around 740. Knowing this is around the mark mentioned; however, I know that @Anonymous  mentioned around 750. Since I am not at 750 yet, part of me wants to wait?  ( to further my chances at the same time, I don't want to miss this amazing offer) 

This is the crossroad that I do not like to be on, lol. 

 

So you're saying since I am already an AMEX family, I won't receive an HP. That is good to know.

My last card open from another CC was around 06/05/2020 

Good call-outs on Blue. 

AMEX Delta Gold | Travel | 5k | 12/19
AMEX Delta Plat | 7k | 4/21
Navy Rewards | Gas | 18k | 06/20
Capone Savor | Entertainment | 3.5k | 1/20
Cap one | 6.5k | 1/10
Cap one Walmart | 2k| 10/17
PayPal Master Card | 2% Everyday Spend | 15k | 6/20
Venmo | 12K | 01/2024

Message 14 of 34
K-in-Boston
Credit Mentor

Re: Should I upgrade Amex Delta Gold ( gold miles card ) to Platinum?

The three approvals with threads here so far this month for the card are 692, another 692, and 734.  Your score is fine.


https://ficoforums.myfico.com/t5/forums/searchpage/tab/message?filter=location&q=Delta%20platinum&lo...

 

It's rare for HPs to happen for existing cardholders, but it does happen from time to time hence the disclaimer.  My last HP from Amex was 19 years ago.  I have added 5 cards in the past 4 years with no HP.

 

Do we need to fill out the app for you?  😂 

Message 15 of 34
Anonymous
Not applicable

Re: Should I upgrade Amex Delta Gold ( gold miles card ) to Platinum?

Just go for it, deal with the "what if" after. Not that there will be any. I don't know if you're trying to talk yourself into it or out of it. lol

Message 16 of 34
janderson126
Contributor

Re: Should I upgrade Amex Delta Gold ( gold miles card ) to Platinum?

As far as If I am talking my self out of it 

I would prefer not to have it hit 2 of my 3 reports; that is the part that is having me hold back a little bit. 

However, as @K-in-Boston states, no pulls in 4 years. 

True on the What If's 

Truthfully I am talking myself into it - All of the help has been awesome so far. It is nice to get views from a different perspective. 

AMEX Delta Gold | Travel | 5k | 12/19
AMEX Delta Plat | 7k | 4/21
Navy Rewards | Gas | 18k | 06/20
Capone Savor | Entertainment | 3.5k | 1/20
Cap one | 6.5k | 1/10
Cap one Walmart | 2k| 10/17
PayPal Master Card | 2% Everyday Spend | 15k | 6/20
Venmo | 12K | 01/2024

Message 17 of 34
janderson126
Contributor

Re: Should I upgrade Amex Delta Gold ( gold miles card ) to Platinum?

It's good to see a mix of different approvals mine aligns to the 3rd one. WOW, 19 years ago! You have been with AMEX forever. That is awesome. Congrats on your many years with AMEX. 

I understand that it can happen. I mean, I am pretty good on inquires, so I guess If I got one, it would not be the end of the world. 

 

I am so close to hitting the apply button got the form filled out. 

I may need you guys to fill out the app for me. Smiley Tongue 

( tense music plays ) 

 

Another question I have: Is there anything else I should do before applying? I mean score is pretty solid, and the profile is too based on what is shared. I am just trying to think If I am missing anything? 

AMEX Delta Gold | Travel | 5k | 12/19
AMEX Delta Plat | 7k | 4/21
Navy Rewards | Gas | 18k | 06/20
Capone Savor | Entertainment | 3.5k | 1/20
Cap one | 6.5k | 1/10
Cap one Walmart | 2k| 10/17
PayPal Master Card | 2% Everyday Spend | 15k | 6/20
Venmo | 12K | 01/2024

Message 18 of 34
K-in-Boston
Credit Mentor

Re: Should I upgrade Amex Delta Gold ( gold miles card ) to Platinum?

Only thing you are missing is starting a new thread in Credit Card Approvals.  🍿 

Message 19 of 34
janderson126
Contributor

Re: Should I upgrade Amex Delta Gold ( gold miles card ) to Platinum?

@K-in-Boston  Well said 

As soon as I get the approval - I will be sure to post it there. 

I do appreciate all the good advice and your time. I hope you know how much this means to me. 

All with time, I hope I can return the favor. 

AMEX Delta Gold | Travel | 5k | 12/19
AMEX Delta Plat | 7k | 4/21
Navy Rewards | Gas | 18k | 06/20
Capone Savor | Entertainment | 3.5k | 1/20
Cap one | 6.5k | 1/10
Cap one Walmart | 2k| 10/17
PayPal Master Card | 2% Everyday Spend | 15k | 6/20
Venmo | 12K | 01/2024

Message 20 of 34
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