Delta am ex for an 18 y.o.
Dec 15, 2016, 7:27 pm
#1
Original Poster
Join Date: Mar 2010
Programs: delta diamond, Hilton Diamond
Posts: 361
Delta am ex for an 18 y.o.
Greetings, My son just turned 18 and has been platinum on Delta for the past 3 years. We get at least 2 emails/week asking him to get an Am ex card. He is a student so doesn't have much if any income, but he is an elite athlete and travels the world with his sport. Most of the time we buy his tickets and he gets reimbursed. As I max out my am ex I thought it would be good to get him his own as he might as well get the bonus miles. Any way to do this without him having an income? He only uses his visa card he has now for expenses and this card is linked to mine. Any way to get him his own card? Thanks
Dec 15, 2016, 7:32 pm
#2
Join Date: Nov 2009
Programs: DL PM 1MM
Posts: 3,439
Greetings, My son just turned 18 and has been platinum on Delta for the past 3 years. We get at least 2 emails/week asking him to get an Am ex card. He is a student so doesn't have much if any income, but he is an elite athlete and travels the world with his sport. Most of the time we buy his tickets and he gets reimbursed. As I max out my am ex I thought it would be good to get him his own as he might as well get the bonus miles. Any way to do this without him having an income? He only uses his visa card he has now for expenses and this card is linked to mine. Any way to get him his own card? Thanks
Dec 15, 2016, 8:25 pm
#7
Original Poster
Join Date: Mar 2010
Programs: delta diamond, Hilton Diamond
Posts: 361
So, I looked at the app. Just put zero down for income? OK if he gets a small credit limit at first. Just trying to build a credit history for him and can get the limit raised as he/we pay it off each month.
Dec 15, 2016, 11:47 pm
#9
Join Date: Dec 2014
Posts: 5
Dec 16, 2016, 4:25 am
#10
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Join Date: Sep 2009
Location: Minneapolis: DL DM charter 2.3MM
Programs: A3*Gold, SPG Plat, HyattDiamond, MarriottPP, LHW exAccess, ICI, Raffles Amb, NW PE MM, TWA Gold MM
Posts: 100,369
Does he have any scholarships? That should count as income. Obviously student part time jobs count too.
Dec 16, 2016, 5:32 am
#11
FlyerTalk Evangelist
Join Date: Apr 2009
Location: Bye Delta
Programs: AA EXP, HH Diamond, IHG Plat, Hyatt Plat, Marriott Plat, Nat'l Exec Elite, Avis Presidents Club
Posts: 16,264
Whatever credit limit you do get, you can always try for the 3x CLI on day 61+.
Last edited by javabytes; Dec 16, 2016 at 5:38 am
Dec 16, 2016, 6:30 am
#12
Join Date: Aug 2013
Location: DTW
Programs: DL PM, Natl-Exec Elite, Hertz-President Circle, Marriot/Starwood-Gold, HHonors-Gold
Posts: 678
Not sure if this is feasible for you, but if he gets a credit limit that is too low, you could always make a payment online two to three days in advance against his card, thus giving a credit balance and then buy the airline ticket. The fact that you can do everything online these days makes this much easier to manage than in the days of old.
Dec 16, 2016, 7:38 am
#13
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Join Date: May 2005
Location: PIT
Programs: DM life is over 2MM PM now & NW MillionAir Wyndham Rewards Plat -Hotels.com Silver -Accor Silver
Posts: 15,408
Can you do that? Seems to me that I have accidentally tried to make payments in excess of my outstanding balance on some accounts in the past, and the system wouldn't let me.
Dec 16, 2016, 9:14 am
#14
Join Date: Dec 2002
Location: Twin Cities, Minnesota, USA
Programs: Delta DM / 1M, IHG Plat, HH Gold, Marriott Titanium, Hertz PC, Emerald Club Exec
Posts: 500
Not that I would recommend everyone doing this, but I was always able to spend over the limit of my card. On the home screen for Amex, use "check spending power". I'd input the amount of the charge I was making and receive pre-approval. This helped as my card only started with a $3k limit. I was making large purchases and paying in full, so I used this to increase the amount I could spend each month without having to make multiple payments.
The limit has since been raised so this isn't needed anymore. But it definitely worked for me. It could help if a small limit is received.
The limit has since been raised so this isn't needed anymore. But it definitely worked for me. It could help if a small limit is received.
Dec 16, 2016, 9:18 am
#15
Join Date: Sep 2015
Programs: 1 thousand
Posts: 2,112
I've used that to essentially double my line when I had a low limit.
(I quite quickly got the 3x CLI at 60 days, still waiting for my 180+60days to come up for another 3x CLI attempt.)