@racer-x wrote:You won't get all the pts back at once. You may get a little more than half back initially.
This is likely. FICO does not like being shocked. It takes a while to adjust to new information, in either direction, so it will take a bit to get back to normal.
At this point, however, the main objective of OP is to get a CLI, so if it were me, I'd keep using that Delta card and paying frequently. Coordinated with the AU, of course.
(which raises the question, why put an AU on a recently opened $1k limit card? I don't see any benefit for the AU in this situation, and the AU is probably being hurt just as badly or worse by the higher utilization.)
You get back your FICO 8's.
I recently ran a test on a Chase NPSL revolver by charging about 8k over the 18k siggy CL. Mostly, I was just curious whether such a large overrun would be approved. FICO dropped from the 800's to the 730's across all CRAs. Interestingly, my VS 3.0 score dropped over 150 points to 667. Total CLs is about 60k.
I always PIF but don't prepay. When the next statement posted (about 3.5k which is about 1.5k higher than my normal statement balance), my FICOs fully recovered to what I typically have with that utilization as did the VS 3.0 score.
So if there is a history effect, it is extremely small.
On a side note, the Chase statement only required the normal minimum payment, in that case a few hundred dollars. I was expecting the minimum payment to include the 8k over the CL per the standard NPSL revolver practice and so carefully read everything on the statement. There was simply no requrement to pay the 8k at that time.
@Anonymous wrote:So let's say I want bigger limits with the cards... Obviously they are letting me charge past my limit... Wait until next score next month? Or will Amex realize it's their card that caused the problem? Also, I'm reading 61 day and amount you want to request has changed... Ask for CLI on the small limit card they let me charge higher balances on, or ask for CLI on the card with the highest limit and later call and spread the limits around?
LOL. Yeah, right. They're losing a lot of sleep over it, too, wondering how to make it up to you 
Ymmv in how quickly all of the points come back, but in theory eventually they should come back. Give or take somw though, depending on any other changes in your file at that time.
@Thomas_Thumb wrote:
@RM21 wrote:
Ymmv in how quickly all of the points come back, but in theory eventually they should come back. Give or take somw though, depending on any other changes in your file at that time.I will be allowing my AMEX NPSL charge card to report an all time high balance this month. This will translate to balance/high balance = 100% utilization for the card. I anticipate no change in Classic Fico 08 score, possibly some impact on Bankcard Fico 08. I'll report back with results. I suspect my Fico 04 scores will take a hit but, not sure I'll pay for a 3B to find out.
I have an Amex Plat charge card and have been tracking it for years. Also, Amex is by far my largest spend card and I typically put 2 to 3k a month on it but sometimes much larger amounts.
FICO 8 scores from TU and EX are unaffected regardless of high balance or reported balance. When the current balance and high balance amex reports is as much as 40k EQ, and only EQ, FICO 8 scores take a large hit though not as much as if the card was a revolver and maxed out. They more than recover the next month when normal balances report because the new high balance improves utilization. It appears the EQ's FICO 8 scores count Amex charge card high balances and balances in overall utilization but not individually. Also, there is an upper end, somewhere between 40k and 50k, that if the high balance exceeds the card will also be ignored for EQ FICO 8. FICO 4s have always ignored my Amex Plat across all CRAs.
@cashnocredit wrote:
@Thomas_Thumb wrote:
@RM21 wrote:
Ymmv in how quickly all of the points come back, but in theory eventually they should come back. Give or take somw though, depending on any other changes in your file at that time.I will be allowing my AMEX NPSL charge card to report an all time high balance this month. This will translate to balance/high balance = 100% utilization for the card. I anticipate no change in Classic Fico 08 score, possibly some impact on Bankcard Fico 08. I'll report back with results. I suspect my Fico 04 scores will take a hit but, not sure I'll pay for a 3B to find out.
I have an Amex Plat charge card and have been tracking it for years. Also, Amex is by far my largest spend card and I typically put 2 to 3k a month on it but sometimes much larger amounts.
FICO 8 scores from TU and EX are unaffected regardless of high balance or reported balance. When the current balance and high balance amex reports is as much as 40k EQ, and only EQ, FICO 8 scores take a large hit though not as much as if the card was a revolver and maxed out. They more than recover the next month when normal balances report because the new high balance improves utilization. It appears the EQ's FICO 8 scores count Amex charge card high balances and balances in overall utilization but not individually. Also, there is an upper end, somewhere between 40k and 50k, that if the high balance exceeds the card will also be ignored for EQ FICO 8. FICO 4s have always ignored my Amex Plat across all CRAs.
Thanks for the info. My experience with my AMEX NPSL charge card is that EQ Fico score 5 (Fico 04 model) is skitish relative to even moderate B/HB ratios. Both TU and EX Fico 04 are less sensitive. So far my Classic Fico 08 scores from all 3 CRAs have not been influenced by AMEX or anything else for that matter. However, my B/HB has not been over 50% in the last two years. Quite interesting regarding your Fico 04s and AMEX. My AMEX is listed as an "open account" but shows up in the revolver category on reports.
P.S. I have an AMEX green card from 1984 and I don't use it much these days. HB is under $5k. According to an inquiry on the web site my "hidden limit" is something over $30k. I primarily keep the card because it is my oldest and the 1st card I ever had.
Edit add - 3B EQ score graph [Fico 08 constant throughout on all three CRAs]. The big drop captured in early February likely influenced by inquiry and 6 of 6 cards reporting [including AMEX at 49% B/HB]
Disputed PenFed hard inquiry re-classified as SP late February (after 2/14 3B report and before 3/25 report). November 2015 EQ score (3B report actually pulled 12/2/15) not impacted by 11/20/15 temporary PenFed HP. This HP clearly included a 30 day buffer treatment for scoring.
@Thomas_Thumb wrote:
@cashnocredit wrote:
@Thomas_Thumb wrote:
@RM21 wrote:
Ymmv in how quickly all of the points come back, but in theory eventually they should come back. Give or take somw though, depending on any other changes in your file at that time.I will be allowing my AMEX NPSL charge card to report an all time high balance this month. This will translate to balance/high balance = 100% utilization for the card. I anticipate no change in Classic Fico 08 score, possibly some impact on Bankcard Fico 08. I'll report back with results. I suspect my Fico 04 scores will take a hit but, not sure I'll pay for a 3B to find out.
I have an Amex Plat charge card and have been tracking it for years. Also, Amex is by far my largest spend card and I typically put 2 to 3k a month on it but sometimes much larger amounts.
FICO 8 scores from TU and EX are unaffected regardless of high balance or reported balance. When the current balance and high balance amex reports is as much as 40k EQ, and only EQ, FICO 8 scores take a large hit though not as much as if the card was a revolver and maxed out. They more than recover the next month when normal balances report because the new high balance improves utilization. It appears the EQ's FICO 8 scores count Amex charge card high balances and balances in overall utilization but not individually. Also, there is an upper end, somewhere between 40k and 50k, that if the high balance exceeds the card will also be ignored for EQ FICO 8. FICO 4s have always ignored my Amex Plat across all CRAs.
Thanks for the info. My experience with my AMEX NPSL charge card is that EQ Fico score 5 (Fico 04 model) is skitish relative to even moderate B/HB ratios. Both TU and EX Fico 04 are less sensitive. So far my Classic Fico 08 scores from all 3 CRAs have not been influenced by AMEX or anything else for that matter. However, my B/HB has not been over 50% in the last two years. Quite interesting regarding your Fico 04s and AMEX. My AMEX is listed as an "open account" but shows up in the revolver category on reports.
P.S. I have an AMEX green card from 1984 and I don't use it much these days. HB is under $5k. According to an inquiry on the web site my "hidden limit" is something over $30k. I primarily keep the card because it is my oldest and the 1st card I ever had.
When Amex reports it creates a "trigger event" on EQ and sometimes on other CRAs. This generates a new score so one can sometimes see a slight change due to age or even or rare occasions rebucketing from age. For EX and TU different things can generate scores such as a total balance change across all cards greater than some percentage depending on which CRA. I've been tracking these on 3B a subscription since before the changeover from FICO 4 to FICO 8 as the default tracker model. Since my Amex spend sometimes is far greater than my total on all other cards the specific impact of an Amex charge card stands out rather strongly.
It would be nice if the EQ 08 model used the higher internal score rather than the high balance as a CL proxy but there is no way for them to report that to the CRAs and still have it be "internal."
My Amex also shows up under the revolver category but these are created by MyFico, not the CRAs or FICO scores. However, if you look at the "terms" category Amex will be listed as "1 month" while regular CCs are listed as revolving.
Since you are about to show significant activity on your Amex it will be quite interesting if you would post the changes you see as well as the H/B and total CLs on your other cards. You should see your EQ FICO 8 score drop between 15 and 40 points then come back up again after you pay the balance and it reports. Also, if your new H/B is materially higher than the old and isgnificantly changes your CL total plus H/B youre score could go up slightly due to a biut lower utilization.