Hey all, I just have a (few) quick question(s) here.
I applied back in July for a Delta Gold SkyMiles card and was declined (no income --> no wonder), then app'd again and was accepted back in December once I could report income (yay!). I've been paying off the balance dutifully and often, so that my average monthly spend is about 1.5x my CL (1k...). I'm approaching 61 days and considering two options: ask for a 3x CLI and/or apply for a new PRG.
From what I've read here so far, the CLI shouldn't interfere with my new app, but I'm concerned about something else that might. I've got a Visa from my college CU (8.9%, 4k) that has been sitting at 105% util for about 10 months (traveled over the summer, and my dad decided not to pay me back after all...). I will be able to PIF soon, but I'm worried that AMEX will use an old SP and decline me on the spot for massive util, even though I will definitely PIF the Visa before I app.
Can I ask AMEX to update their SP, then apply (by phone, or online), or do I just have to wait 30-45 days for it to auto-update, then apply?
Also... chances of my PRG app being approved once the new (good) SP is on file?
(Util will be >10%).