Your Amex Delta Platinum Business Credit Card application may have been denied for various reasons, such as a low credit score, not enough disposable income, or too much debt. You should receive a letter from American Express explaining the exact reason for the denial.

If you feel your application deserves a second look, you can call American Express to ask for reconsideration. However, you're only likely to succeed if you can prove your credit and/or income are significantly better than they appeared on your application.

Possible Reasons Your Amex Delta Platinum Business Credit Card Application Was Denied

• Credit score is too low
• Not enough credit history
• Income is too low or unstable
• High debt relative to your income
• Too many recent credit inquiries
• Late payments on your credit report
• Using too much available credit
• Errors on your credit report (which you should check for and dispute)
• Unresolved bankruptcy on your credit report
• Errors on your application
• Forgotten credit freeze, credit lock, or fraud alert on your credit reports

If you want to see which cards you may qualify for, you can check your credit score for free right here on WalletHub. Also, you can use our CardAdvisor tool to get personalized recommendations.

Your Amex Delta Platinum Business Credit Card should be delivered in 7 to 10 business days if it's a new account or around 3 business days if it's a replacement card. American Express offers expedited delivery only for replacement cards, and you can call customer service at 1-800-492-3344 with any questions. 

Amex Delta Platinum Business Credit Card Delivery Timeline

You don't need to do anything to renew your Delta SkyMiles® Platinum Business American Express Card before it expires. If you continue to pay your bill and $350 annual fee on time, American Express will automatically send you a new card, which you should receive before your current card expires. You can call 1-800-492-3344 if it hasn't arrived by then.

If you do not want to pay the annual fee for another year, you'll need to cancel your card before your...

You can buy a gift card with the Delta SkyMiles® Platinum Business American Express Card online and at most stores that accept American Express. Keep in mind that some stores won't accept credit cards for certain types of gift cards, such as general Visa gift cards for example. It's a good idea to call the store ahead of time to see if they'll accept your card for a gift card purchase.

You should keep in mind that gift card purchases made...

No, not just anyone can get the Amex Delta Platinum Business Credit Card as it typically requires good credit or better to qualify. You also need enough income to afford monthly payments and be 18+ years old, among other requirements.

What You Need to Get the Amex Delta Platinum Business Credit Card

• Be the business owner or an authorized officer in the company
• At least good credit
• Enough income to afford minimum monthly credit card payments after paying other bills
...

You cannot get a Amex Delta Platinum Business Credit Card cash advance at any location, as this card does not allow cash advances. This can actually be a benefit, as taking out a cash advance is very expensive.

Cash advances are so expensive due to issuer fees, high interest rates that kick in right away, and possible ATM fees if you use an out-of-network ATM. For example, cash advance interest rates are 24.48% on average, and cash advance fees...

It's unlikely that you'll get approved for the Delta SkyMiles® Platinum Business American Express Card after bankruptcy, since it requires good credit or better. You'll need to focus on rebuilding your credit with another credit card before you apply for this card.

Key Things to Know About Getting a Credit Card After Bankruptcy

You should wait until your bankruptcy is discharged to apply for credit.

Card issuers generally do not approve applicants with unresolved bankruptcies on their credit reports. Your...

To talk to Amex Delta Platinum Business Credit Card customer service, call 1-800-492-3344 and then say "representative" and enter your 15 digit card number or your Social Security number. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.

How to Talk to Amex Delta Platinum Business Credit Card Customer Service by Phone

1. Call the Amex Delta Platinum Business Credit Card customer service department. You can even use the number on the...

Amex Delta Platinum Business Credit Card has a referral bonus for existing American Express customers when someone they refer gets approved for the card. It can take 8 to 12 weeks to receive your bonus after the person you refer opens their account.

How to Get an Amex Delta Platinum Business Credit Card Referral Bonus

1. Log in to your American Express account.
2. Navigate to the "Account Services" page, and click "Refer Now".
3. Choose a referral offer and copy the referral...

Amex Delta Platinum Business Credit Card is not a charge card. Charge cards usually need to be paid in full every month, unlike a regular credit card. They're ideal for people who have the means to pay their entire bill each month. To learn more, check out WalletHub's editors' picks for the best charge cards.