We have a 7 hour stopover at Atlanta with Virgin/Delta. Can we use the lounge if we pay a fee?

Only if you fly business class on Delta/Virgin or if you have Delta Amex Reserve or Amex Platinum card

Should be ok

No u have to have one of there credit cards it's stupid

Yes

Yes should be no problem.

Yes if it is before 2300.

Yes. You can also get access with an American Express card that is not a reward card.

I was with my military daughter in law. I understand she and my Son belong thur some credit card.? I would go in and ask the 3 very nice people at the front desk. Bless you on your trip..