Your Ultimate Guide to the Gold Delta SkyMiles Card
Intro
The Gold Delta SkyMiles Credit Card is a significant financial product for those who frequently travel, especially by air. This card, offered through Delta Air Lines, presents an opportunity for users to earn miles with every purchase, which can be redeemed for flights, upgrades, and other travel-related expenses. Understanding the application process and benefits helps consumers decide if this card aligns with their financial goals.
Overview of Financial Product
Definition of product
The Gold Delta SkyMiles Credit Card is a travel rewards credit card that allows users to accumulate SkyMiles. These miles can be redeemed for flights, hotel stays, and other travel amenities. This card is part of the Delta Air Lines loyalty program and is suited for travelers looking to enhance their travel experience with rewards.
Importance of the product for consumers
For consumers who travel often, the Gold Delta SkyMiles Credit Card can provide more than just a payment method. It offers benefits like free checked bags, priority boarding, and access to exclusive offers. Moreover, earning miles can translate into significant savings on future travel. This card might be particularly valuable for loyal Delta customers who fly frequently.
Types of available options
Delta offers several versions of the SkyMiles credit card. The Gold Delta SkyMiles Credit Card presents certain rewards and benefits, while other variants, like the Platinum or Reserve versions, may offer different perks and fee structures. Understanding these options allows consumers to choose the card that best meets their needs.
In-Depth Comparison
Feature analysis
Examining the features of the Gold Delta SkyMiles Credit Card against similar cards is essential. Features often include earning rates on purchases, welcome bonuses, and travel-related benefits. The Gold version typically has a moderate annual fee compared to higher-tier options, which may have more premium benefits but also come with increased costs.
Benefits vs.
drawbacks
Benefits of the Gold Delta SkyMiles Credit Card include:
- Earning miles for every dollar spent
- Free first checked bag on flights
- No foreign transaction fees
However, some drawbacks include:
- An annual fee that some may find prohibitive
- Restricted earning potential compared to other cards
Cost considerations
Understanding the cost, including the annual fee, is critical. While the benefits can outweigh the fee for frequent travelers, occasional flyers might find it less valuable.
User ratings and reviews
User reviews often highlight the travel perks and accessibility of earning rewards. Still, they may also mention frustrations with customer service or the complexity of redeeming miles. Researching these reviews provides insights into customer experiences with the card.
“Before you apply, read user experiences to understand the real-world implications of holding this credit card.”
Best Practices for Choosing the Right Product
Key factors to consider
While selecting a credit card, consider the earning potential, available benefits, and annual fees. Understanding your travel habits and spending patterns will guide your choice.
Tips for evaluating different options
- Compare perks and rewards with equivalent cards
- Assess the annual fees relative to potential rewards
- Look for promotional offers or bonuses that may apply during your application
Importance of researching providers
Researching providers helps ensure that the chosen card aligns with overall financial goals. Compare offers from different banks, as policies and customer satisfaction can vary.
Application Process
Step-by-step guide for applying
To apply for the Gold Delta SkyMiles Credit Card, follow these steps:
- Visit the Delta or American Express website.
- Select the Gold Delta SkyMiles Credit Card.
- Fill out the online application form with personal and financial information.
- Review your application before submitting.
Required documentation and eligibility
Applicants typically need to provide:
- Proof of identity (like a driver’s license)
- Social Security number
- Income details
- Employment information
Eligibility often depends on credit score and history. A good credit score will enhance approval chances.
Common pitfalls to avoid
- Not reviewing terms and conditions thoroughly
- Applying without understanding your credit score
- Overlooking fees associated with ownership, such as late payment fees
Timeline expectations for approval
After submitting the application, approval may be instant or could take a few days. Delays often occur if further verification is needed. It is important to check back with the provider if no response is received.
Ongoing Management and Strategy
Tips for monitoring and managing the product
Keep track of spending and rewards using tools provided by the issuer. Monitoring helps in efficient miles accumulation.
Strategies for maximizing benefits
Utilizing the card for online purchases or at partner retailers can increase miles accumulation. Take advantage of welcome offers or promotional periods for added rewards.
When to re-evaluate or switch products
Review your needs annually. If travel frequency decreases or better offers from competitors arise, consider switching or reassessing your current card.
Resources for staying updated with market trends
Stay informed by visiting finance blogs, reading user reviews on platforms such as Reddit, or following discussions on Facebook groups focused on travel rewards. This will help you adapt to market changes.
Understanding the Gold Delta SkyMiles Credit Card is essential for leveraging its benefits effectively. With proper management, it can prove to be a valuable asset for frequent travelers.
Prolusion to Gold Delta SkyMiles Credit Card
Understanding the Gold Delta SkyMiles Credit Card is essential for those looking to enhance their travel experience. This section establishes the framework for what follows, highlighting not just the card's advantages but also its place within the broader Delta SkyMiles program.
Overview of Delta SkyMiles Program
The Delta SkyMiles program operates as a frequent flyer scheme linked to Delta Air Lines. It allows travelers to accumulate points based on miles flown and money spent, which can then be redeemed for flights, upgrades, and exclusive services. Members of the program benefit from various tiers, each providing elevated perks such as priority boarding and enhanced luggage allowances. As such, this program significantly shapes the experience of frequent travelers, making it pertinent to discuss before exploring the features of its credit card counterpart.
Why Choose the Gold Delta SkyMiles Credit Card?
The Gold Delta SkyMiles Credit Card stands out in a crowded market for several reasons. First, it provides a generous rewards system tailored for consumers who fly with Delta. Cardholders earn miles for every dollar spent, which can add up quickly for those who travel often. Additionally, the card often includes promotional offers that may provide higher earnings in specific categories, such as dining or hotel stays.
Moreover, cardholders receive certain travel benefits, including priority boarding and free checked bags for themselves and companions on the same reservation. These amenities can translate into substantial savings and convenience, making the card appealing for regular Delta flyers. Ultimately, the Gold Delta SkyMiles Credit Card is positioned as a valuable tool for enhancing the travel experience while maximizing point redemption potential.
Understanding the Benefits
Understanding the benefits of the Gold Delta SkyMiles Credit Card is critical for any potential applicant. This card not only allows you to earn rewards but also provides various travel-related advantages that can enhance your flying experience. Grasping these benefits enables one to make informed decisions about whether this card aligns with their financial goals and travel preferences.
Reward Points System
The reward points system is central to the Gold Delta SkyMiles Credit Card. Each dollar spent using this card earns miles, which can later be redeemed for flights, upgrades, and more. Unlike some credit cards that have complex structures for earning rewards, the Gold Delta SkyMiles card keeps it straightforward. You earn 2 miles for every dollar spent on Delta purchases and 1 mile on all other purchases.
Additionally, users benefit from bonus miles upon signing up and meeting the spending requirements. These initial bonuses can significantly boost your miles balance, enabling you to reach your travel goals quicker. The miles earned do not expire as long as you have qualifying activity, which is a considerable advantage for those who may not travel frequently.
Flight Discounts and Offers
Another compelling aspect of the Gold Delta SkyMiles Credit Card is the array of flight discounts and offers available exclusively to cardholders. One prominent feature is the ability to book award flights with fewer miles during limited-time promotions. These incentives can lead to considerable savings, especially when flights are traditionally priced high.
Furthermore, cardholders often enjoy priority boarding, which makes the boarding experience smoother and less stressful. And let's not forget about the option to check your first bag free on Delta flights, a benefit that can save you money on what would otherwise be an unnecessary expense. This is particularly appealing to those who often travel with luggage, adding even more value to the card.
Travel Perks and Protections
The Gold Delta SkyMiles Credit Card offers numerous travel perks and protections. These are not just amenities, but essential features that ensure a more secure and enjoyable travel experience. For instance, the card provides travel insurance coverage for various mishaps, such as trip cancellations and delays, lost luggage, and emergency medical assistance.
The card also offers access to Delta's lounges under certain conditions. This access can significantly enhance the travel experience. Lounges provide a comfortable space for travelers to relax, eat, and work before their flights.
Furthermore, cardholders may receive exclusive offers and discounts on travel expenses outside of flights, including car rentals and hotels. These travel perks make the Gold Delta SkyMiles Credit Card a wise choice for frequent travelers who want to maximize their benefits.
Understanding these various benefits can empower you to optimize your travel experience while making the most of the rewards available through the Gold Delta SkyMiles Credit Card.
Eligibility Criteria for Application
Understanding the eligibility criteria for the Gold Delta SkyMiles Credit Card is essential for anyone thinking about applying. Knowing these parameters can help streamline the application process and increase your chances of approval. This section covers age and income requirements, considerations regarding credit score, and employment status alongside financial stability, ensuring you are well-prepared.
Age and Income Requirements
To be eligible for the Gold Delta SkyMiles Credit Card, applicants must be at least 18 years old, which is a standard age requirement for most credit cards. However, being of age is just the first step. Income is also a crucial factor. Card issuers typically want to see that you have a reliable income to support your ability to pay off charges.
- Minimum Income Guidelines: Some banks provide minimum income thresholds for credit card applications. Meeting or exceeding these thresholds can be beneficial.
- Sources of Income: Regular wages, self-employment earnings, and even certain government benefits may count towards your reported income. It's important to document these clearly when applying.
Having a steady income not only improves your chances but also shows the issuer that you have the means to make timely payments.
Credit Score Considerations
Your credit score plays a significant role in your eligibility for the Gold Delta SkyMiles Credit Card. Credit scores typically range from 300 to 850, with higher scores indicating better creditworthiness. Most issuers look for a score of at least 700 but some options may be available for those with lower scores, depending on other factors.
- Understanding Credit Scores: Familiarize yourself with what influences your score, such as payment history, credit utilization ratio, length of credit history, and mix of credit.
- Building Your Score: If your score is not where you would like it to be, consider addressing any outstanding debts and ensuring timely payments on existing credit accounts before applying. Improving your score can open up more favorable terms and rewards.
A healthy credit score signals to lenders that you are a low-risk borrower, which can lead to more benefits associated with the card.
Employment Status and Financial Stability
Lastly, employment status reflects not only your immediate income but also your overall financial stability. Card issuers may consider whether you are currently employed and the type of employment you have.
- Permanent vs. Temporary Employment: Permanent positions often provide more security to lenders than temporary or freelance work, though all forms of income are valid. Consistency is key.
- Financial Health Assessment: Lenders may also review your overall financial health by assessing any existing debts, loans, and other credit accounts. A clear picture of your financial situation helps in determining your ability to handle additional credit responsibly.
By understanding these eligibility criteria, you can better assess your readiness for applying and take steps to improve your chances of being approved for the Gold Delta SkyMiles Credit Card.
Gathering Required Documentation
Gathering the required documentation is a crucial step in the application process for the Gold Delta SkyMiles Credit Card. This phase sets the foundation for your application and ensures that you present a complete picture of your identity and financial status. Proper documentation can help streamline the approval process and avoid unnecessary delays.
Identification Documents
Identification is key for any credit card application. You will need formal documents to confirm your identity. Typical identification documents include a government-issued photo ID such as a passport or driver's license. It is essential to ensure these documents are current and not expired. Some lenders may also ask for a Social Security number or a tax identification number. Having these at hand can save time during the application process and reinforce your credibility as a responsible applicant.
Financial Information
Your financial information is another integral part of your application. This includes your salary, employment status, and any other source of income. Credit card companies use this information to assess your ability to repay what you borrow. Be prepared to provide proof of income, such as pay stubs or bank statements. This documentation helps demonstrate your financial stability and shows that you can manage a credit line. A transparent representation of your financial situation can potentially enhance your chances of approval.
Supporting Documentation Recommendations
Aside from identification and financial information, some additional documentation can strengthen your application. Consider providing:
- Recent credit reports, which can show your credit history and payment behavior.
- Proof of residence, like a utility bill, may also be necessary to verify your address.
- Any legal documents such as divorce papers or bankruptcy filings if they are relevant to your financial history.
Ensuring that you have this supporting documentation readily available can ease the application process and provide a comprehensive view of your financial standing to the card issuer. Remember, being detailed and organized can ultimately contribute positively to your application experience.
The Application Process Step-by-Step
The application process for the Gold Delta SkyMiles Credit Card is a crucial segment of your overall journey in securing the benefits of the card. Understanding this process is essential, as it allows you to navigate through the steps with clarity and confidence. Whether you choose to apply online, over the phone, or in person, knowing what to expect can significantly enhance your chances of approval. This section will provide a detailed look into each method of application, outlining the specific considerations and benefits associated with each approach.
Online Application Overview
Applying online for the Gold Delta SkyMiles Credit Card is typically the most convenient option. The online application system is designed to be user-friendly, guiding applicants through each section. Here are some key points to consider:
- Time-Saving: The online process is often quicker, allowing for immediate data submission without the need to schedule appointments.
- Real-Time Updates: You may receive instant feedback regarding your application status. This can alleviate anxiety while you wait for a decision.
- Documentation Upload: The portal often allows you to easily upload necessary documents, making the process smooth and efficient.
In general, the online method is suitable for tech-savvy individuals comfortable with navigating digital interfaces. Ensure your internet connection is stable and your personal information is accurately entered to avoid any delays.
Phone Application Process
The phone application process for the Gold Delta SkyMiles Credit Card can be a good alternative for those who prefer a personal touch. Speaking with a representative allows you to ask immediate questions and clarify any uncertainties. Here are some advantages:
- Personal Assistance: Agents can provide personalized guidance tailored to your specific situation.
- Clarification of Terms: If you have questions about fees, rewards, or terms, you can get immediate responses.
- Comfort for Beginners: For individuals who may feel overwhelmed by online forms, this method can reduce stress.
When choosing this method, ensure you have all necessary documents at hand, and be prepared to take detailed notes during your conversation.
In-Person Application Locations
Applying in person may not be as common as other methods, but it can still be beneficial for some applicants. This option is ideal for those who value face-to-face interactions. Consider the following:
- Direct Interaction: You can establish a rapport with the bank representative and ask detailed questions.
- Immediate Feedback: You may receive feedback about your application status more quickly than waiting for an email or online notification.
- Access to Other Services: While you’re at the branch, you might also learn about additional financial products that may suit your needs.
To make the most of this option, check the branch hours ahead of time and have all documentation organized for a quick and efficient visit.
By understanding the various application methods, you can choose the one that aligns best with your needs, ensuring a smoother journey toward obtaining the Gold Delta SkyMiles Credit Card.
Post-Application Considerations
Understanding post-application considerations is vital in navigating the path after applying for the Gold Delta SkyMiles Credit Card. Once the application has been submitted, applicants enter a crucial period where the actions taken can significantly influence future financial health and the overall credit experience. This section outlines essential aspects to consider, providing clarity on the approval process and guidance on next steps if the application does not meet the desired outcome.
Understanding the Approval Process
When applying for the Gold Delta SkyMiles Credit Card, it is important to grasp the approval process. This process typically involves a review of your submitted application against the card issuer’s criteria. The issuer assesses several factors, including credit history, income, and debt-to-income ratio. Key points in the approval process include:
- Timeframe for Approval: Most applications are processed within a few minutes to a few days. However, if further information is required, it might take longer.
- Credit Score Assessment: The applicant's credit score plays a crucial role in acceptance. A higher score can improve odds of approval and potentially secure better terms.
- Conditions for Approval: Factors such as employment status and existing debts may also influence the decision. The issuer may contact you for verification of your financial information.
"A strong credit profile can increase chances of approval for premium credit cards like the Gold Delta SkyMiles."
Being aware of these aspects helps you stay informed and prepared as you await the issuer’s response regarding your application status.
What to Do if Denied
Receiving a denial letter can be disappointing, yet it is crucial to approach this scenario constructively. First, read the denial letter carefully. It usually includes the reasons for rejection, which can vary. Common reasons might include low credit score, high debt levels, or insufficient income. Here are steps to take after a denial:
- Request a Review: You have the right to ask for a reconsideration, especially if you believe that the denial was based on incorrect information.
- Understand the Reasons: Analyzing the reasons for denial can provide insights into areas needing improvement before applying again.
- Check Your Credit Report: Make sure there are no inaccuracies that could impact your score. Correct any errors that may affect your creditworthiness.
- Focus on Improvement: Work on improving your credit profile. This may include paying down existing debts, ensuring timely payments, or increasing your income.
- Explore Alternative Options: If the Gold Delta SkyMiles Card is not an option, consider other credit cards that may align better with your current financial situation.
In summary, understanding the post-application phase is crucial in maximizing your chances of success with credit cards. If you face challenges, knowing how to respond will enable you to reposition yourself effectively for future applications.
Maximizing Rewards with Your Gold Delta SkyMiles Card
Maximizing rewards with your Gold Delta SkyMiles Card is a topic of significant importance within this guide. The card is designed not only to provide benefits like travel rewards but also to significantly enhance the user's ability to earn, save, and utilize these rewards effectively. To fully appreciate these aspects, it is essential to understand the elements that contribute to maximizing rewards.
By adopting smart spending habits and taking advantage of various partnership programs, cardholders can substantially increase their SkyMiles accrual. This approach can lead to free flights, seat upgrades, and many other travel perks. Understanding how to leverage this potential can provide a notable financial advantage over time and transform how you view spending.
Smart Spending Tips
To make the most of your Gold Delta SkyMiles Card, strategic spending is crucial. Here are several tips that can help you maximize your rewards:
- Prioritize Delta Purchases: Use your card for all Delta Airlines transactions. This will ensure you earn higher reward points per dollar spent.
- Use for Travel and Dining: Cardholders earn additional points for travel expenses and dining out. Consider using your card when visiting restaurants or booking hotels.
- Take Advantage of Promotions: Delta often has promotional offers that allow members to earn bonus miles on certain purchases. Stay updated on these offers.
- Pay Your Bills: Consider using your Gold Delta SkyMiles Card to pay for monthly bills. This can increase your miles without drastically changing your spending habits.
Adopting these strategies can lead to significant accumulation of SkyMiles, ultimately providing you with more opportunities to redeem rewards.
Utilizing Airline Partnerships
Delta Airlines has a well-developed network of airline partnerships, which can be instrumental in maximizing your rewards. By taking advantage of these partnerships, you can expand your earning potential beyond typical Delta flights. Here are key points to consider:
- SkyTeam Alliance: As a member of the SkyTeam alliance, Delta Airlines collaborates with numerous global airlines. Flying with these partner airlines allows you to earn SkyMiles, often at similar rates to flights on Delta itself.
- Shopping and Travel Partners: Delta’s partnerships extend to various retailers and service providers. Use your card while shopping to earn extra miles or bonuses when booking travel through these partners.
- Transfer Miles: Many hotel loyalty programs allow you to transfer your points to Delta SkyMiles. Utilizing these opportunities can give you rewards from different avenues that can enhance your balance significantly.
To truly leverage these partnerships, familiarize yourself with the full extent of options available. Regularly check Delta’s website and your email for partnership updates and promotional opportunities.
Understanding Fees and Charges
Understanding fees and charges is crucial when considering the Gold Delta SkyMiles Credit Card. Cardholders must be aware of the possible costs associated with this financial product to make informed decisions. While many cards offer benefits, they may also carry fees that can impact your overall experience. Being well-informed can help you maximize advantages while minimizing unexpected expenses.
Annual Fees Explained
The Gold Delta SkyMiles Credit Card includes an annual fee, which is an important consideration for potential applicants. This fee is essentially a cost for maintaining the card and the benefits that come with it. Currently, the annual fee is set at $99. It’s vital to evaluate if the benefits you receive from the card offset this fee.
Here are some key points to consider:
- Value of Benefits: If you frequently fly with Delta Airlines, the rewards and perks might outweigh the annual cost. Consider the number of miles you earn and the travel benefits that come with the card.
- Promotional Offers: Sometimes, cards may have a waived annual fee for the first year. Look for such promotions during the application to save initial costs.
- Feedback from Users: Insights from existing cardholders can be valuable. Users on forums, such as Reddit, often share their experiences regarding whether the annual fee is justified by the benefits received.
Foreign Transaction Fees
When traveling internationally, understanding foreign transaction fees is essential. The Gold Delta SkyMiles Credit Card does not impose foreign transaction fees. This factor can significantly enhance your travel experience and savings when using the card abroad.
Consider the following:
- Cost Savings: Many credit cards charge up to 3% on foreign purchases. By avoiding these fees, you could effectively save a considerable amount, especially during extended trips or expensive purchases.
- Convenience: Without these fees, you can use the card freely in other countries, allowing for a more straightforward and rewarding experience. It eliminates the hassle of currency conversion fees that some cards might impose.
- Safety: Using a credit card is often safer than carrying cash. With the benefits of earning miles while abroad, cardholders can enjoy their travels without financial concerns.
In sum, understanding the fees associated with the Gold Delta SkyMiles Credit Card is key for potential cardholders. The annual fee and foreign transaction fee structure can significantly affect overall value.
Long-Term Financial Impact of Holding the Card
Understanding the long-term financial impact of holding the Gold Delta SkyMiles Credit Card is crucial for anyone considering applying for this card. Beyond the immediate benefits, the outcomes of maintaining this account over time can significantly influence your financial health. This section explores various elements that affect not only your credit score but also overall debt management.
Impact on Credit Score
When it comes to credit cards, the most notable effect is on your credit score. The Gold Delta SkyMiles Credit Card, like any credit account, will contribute to your credit utilization ratio and your overall credit history. A low credit utilization ratio—typically recommended to be below 30%—can help improve your score, as it indicates to lenders that you are a responsible borrower. Holding a credit card also affects your credit mix, a category in the FICO scoring model that considers the different types of credit accounts you have.
Paying your Gold Delta SkyMiles bill on time every month is vital. Late payments can have a serious negative impact on your credit score. If you maintain a good payment history, it can enhance your creditworthiness over time. A stronger credit score could lead to better interest rates on future loans or credit cards.
In addition to timely payments, the age of your credit accounts plays a role as well. Having the Gold Delta SkyMiles Credit Card for an extended period positively affects your average account age, another factor that contributes to a good credit score.
Debt Management Considerations
Managing your debt is critical not just for your credit score, but for your overall financial well-being. Holding the Gold Delta SkyMiles Credit Card comes with both opportunities and responsibilities. Consumers need to be aware of their spending habits.
One of the key benefits of this card is the rewards program, but it is essential to align your purchases with your budget. Overusing the credit card can lead to accumulating debt that becomes difficult to manage. Here are some considerations to guide your debt management:
- Set a Budget: Predictable spending can help you avoid unnecessary charges. Ensure that you only charge what you can pay off within the billing cycle.
- Utilize Rewards Mindfully: Focus on earning miles for expenses you would incur anyway. Do not overspend just to earn rewards.
- Monitor Statements: Regularly checking your credit card statements helps you stay aware of your spending.
Ultimately, the Gold Delta SkyMiles Credit Card can facilitate financial growth when used wisely. The important thing is to strike a balance between spending and saving, thus maximizing rewards without compromising financial stability. Good debt management coupled with responsible credit card use can lead to sustained benefits in the long run.
Important: Evaluating your long-term financial strategies is crucial before applying for any new credit account.
By carefully considering how the Gold Delta SkyMiles Credit Card fits into your financial landscape, you can make an informed decision that reflects both short-term wants and long-term needs.
Epilogue
The conclusion of this article is vital as it encapsulates the essential aspects of applying for the Gold Delta SkyMiles Credit Card. Understanding the key points discussed allows readers to make informed decisions. The article has thoroughly explored not only the application process but also the benefits of the card and what potential applicants should consider before applying.
Readers are now equipped with knowledge about various benefits—like the reward points system and various travel perks—that come with this credit card. They have learned which specific documents and information are crucial during the application phase.
Informed consumers are better prepared to maximize rewards while avoiding common pitfalls.
Additionally, the focus on eligibility criteria, understanding fees, and the long-term impact of holding the card contribute to a comprehensive understanding of financial responsibility.
Summarizing Key Points
To summarize, the Gold Delta SkyMiles Credit Card is more than just a tool for transactions. Here are the primary considerations:
- Benefits: Reward points, flight discounts, and travel protections significantly enhance the card's appeal.
- Eligibility: Potential applicants need to be aware of the income, credit score, and employment requirements.
- Application Process: A structured approach, whether applying online or in person, reduces hassle and increases the chances of approval.
- Post-Application: Understanding what to expect post-application can guide consumers in managing their credit responsibly.
These points create a roadmap, leading readers through the maze of card applications to ensure a successful experience.
Final Thoughts on Application
In considering the Gold Delta SkyMiles Credit Card, it is essential to reflect on personal financial goals. Each step, from weighing benefits to analyzing fees, plays a critical role in forming a well-informed approach to credit.
Potential applicants should not rush into an application without assessing their current financial situation. It is wise to evaluate immediate needs versus long-term gains from rewards.
Moreover, engaging with community discussions on platforms like Reddit can provide real-world insights, showcasing the experiences of others who have navigated similar paths.
This guide not only equips readers with vital information but also encourages thoughtful financial decision-making, leading to more rewarding travel experiences in the future.
