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What is the minimum credit limit on a Platinum Delta SkyMiles credit card

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Anonymous
Not applicable

What is the minimum credit limit on a Platinum Delta SkyMiles credit card

I'm comparing the Platinum to the Gold


American Express Blue Cash Preferred $6000 | US Bank Cash+ Visa Signature $5000 | Discover It Cash Back $3500 | Chase Freedom $1500 | Chase Freedom Unlimited $1500 | JCPenney $1500 | Bank of America Cash Rewards $500

Message 1 of 10
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Anonymous
Not applicable

Re: What is the minimum credit limit on a Platinum Delta SkyMiles credit card

USD 2000

Message 2 of 10
Anonymous
Not applicable

Re: What is the minimum credit limit on a Platinum Delta SkyMiles credit card

Not trying to threadjack here, but I have preapproval for this card and the Hilton Ascend and Aspire cards. Would you know the minimum lines for these cards as well?
Message 3 of 10
xaximus
Valued Contributor

Re: What is the minimum credit limit on a Platinum Delta SkyMiles credit card


@Anonymous wrote:

USD 2000


Where did you get this # from? There is no minimum line one gets from AmEx. If your scores are borderline, then you'll get the 500/1K line and hopefully grow it from there.



Scores - All bureaus 770 +
TCL - Est. $410K
Message 4 of 10
Peteyglad
Established Contributor

Re: What is the minimum credit limit on a Platinum Delta SkyMiles credit card

According to the Card Act I believe the annual fee can't be more than 25% of your credit limit. Since the Platinum has a $195 fee the lowest limit would be $780. So my guess is $1,000 would be the lowest starting limit for this card.

Chase Sapphire Preferred 20k | Amex Delta Platinum 20k | Amex Hilton Aspire 20k | US Bank Cash+ 25k | Chase Amazon Prime 25k | Barclaycard Aviator Red 40k | Bank of America Alaska Airlines 42k | Chase Marriott 50k | Discover It 50.3k | Amex EDP 52k | Citi Thank You Premier 56K | Bank of America BBR 57.9k
Message 5 of 10
Anonymous
Not applicable

Re: What is the minimum credit limit on a Platinum Delta SkyMiles credit card

myself

i got this card with 2000 SL,

later I was approved for AMEX SPG with 1000 SL

tried to move some credit limit from the 1st to 2nd one.

CSR told me she can't since 2000 is the minimum

Message 6 of 10
Priory_Man
Valued Contributor

Re: What is the minimum credit limit on a Platinum Delta SkyMiles credit card

I don't think there is one, if Amex thinks you are only worthy of $1k then that is what you will get regardless of the delta card you are apping for.






"Total revolving credit $286,000 Current UTIL >1%"
Message 7 of 10
Peteyglad
Established Contributor

Re: What is the minimum credit limit on a Platinum Delta SkyMiles credit card


@Anonymous wrote:

myself

i got this card with 2000 SL,

later I was approved for AMEX SPG with 1000 SL

tried to move some credit limit from the 1st to 2nd one.

CSR told me she can't since 2000 is the minimum


Interesting. I wonder if anyone else has had the same experience.

Chase Sapphire Preferred 20k | Amex Delta Platinum 20k | Amex Hilton Aspire 20k | US Bank Cash+ 25k | Chase Amazon Prime 25k | Barclaycard Aviator Red 40k | Bank of America Alaska Airlines 42k | Chase Marriott 50k | Discover It 50.3k | Amex EDP 52k | Citi Thank You Premier 56K | Bank of America BBR 57.9k
Message 8 of 10
NRB525
Super Contributor

Re: What is the minimum credit limit on a Platinum Delta SkyMiles credit card

The $2k minimum sounds reasonable to me.

Keep in mind people who are rebuilding and looking for an AMEX that is easy to apply for are not likely to jump into a card where the first statement charges them $195. Same with Bonvoy Brilliant and Hilton Aspire and Delta Reserve. Those who do go for these high AF cards are likely not reporting here, are too busy traveling.

Those who already have an AMEX and app one of these cards are building on an existing relationship with AMEX and likely already see their AMEX internal limits increased, so won’t be able to comment on a minimum.
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 9 of 10
Anonymous
Not applicable

Re: What is the minimum credit limit on a Platinum Delta SkyMiles credit card

Well. My wife has this card with a SL of $1400. Hasn’t moved from there for 10 months. She used her 3X on other cards so not sure if it would ever grow on it’s own. We almost never use it. Just got it for the annual  pass. If it’s too hard to redeem, we would prob close it

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