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Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
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Re: AMEX Plat Upgrade


FinStar wrote:

LS2982 wrote:

drinkthekoolaid wrote:

You cant upgrade until you have has your current card 13 months... only can apply for a new card


I'm aware of that, i've actually accepted an upgrade a few months ago from Zync to PRG. Curious about this card tho, I know its more than likely out of my

 

league :smileytongue: But its the Plat. Baller status,


So, not so much the actual benefits but rather baller status? LOL.

 


That was included with the benefits lmao




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
0

Re: AMEX Plat Upgrade

Like others have said, unless you travel, and the 50K bonus, this card doesnt make sense. I used to use it for travel a lot but recently downgraded to the PRG.




Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: AMEX Plat Upgrade

Eh, I guess im happy that AMEX actually gave me a nice offer!!!

 

But i'll stick with my PRG. :smileyhappy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
0

Re: AMEX Plat Upgrade


LS2982 wrote:

Eh, I guess im happy that AMEX actually gave me a nice offer!!!

 

But i'll stick with my PRG. :smileyhappy:


You can PC to the Plat anytime :smileyhappy:

 

I have yet to use the PRG. COmes in a nice looking box




Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: AMEX Plat Upgrade


CS800 wrote:

LS2982 wrote:

Eh, I guess im happy that AMEX actually gave me a nice offer!!!

 

But i'll stick with my PRG. :smileyhappy:


You can PC to the Plat anytime :smileyhappy:

 

I have yet to use the PRG. COmes in a nice looking box


You mean the Plat?




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
0

Re: AMEX Plat Upgrade


LS2982 wrote:

CS800 wrote:

LS2982 wrote:

Eh, I guess im happy that AMEX actually gave me a nice offer!!!

 

But i'll stick with my PRG. :smileyhappy:


You can PC to the Plat anytime :smileyhappy:

 

I have yet to use the PRG. COmes in a nice looking box


You mean the Plat?


I had to go check. The box the PRG came in had an envelope and a nice PRG book




Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012
0

Re: AMEX Plat Upgrade


Repo-ed wrote:

You want NO part of that card nor it's AF until they offer up a 100k point offer.

 

Most of us have been on here w/ you long enough to know that your income/spend doesn't "easily" justify a $450/yr card - that's a LOT of spend. Nor does mind....

 

But that is why I am also waiting for the 100k offer next year.  


I don't think we'll see another public 100k offer again, and any future 100k offers will likely be targeted only. The offer from creditcards.com was a mistake, hence why it was pulled so fast once word got around. For those holding out for another publically available 100k offer, you could be waiting a very very long time.

 

If you're interested in the Amex plat, I'd look for a 50k MB offer instead. It's a slightly higher AF, but that's more than offset by the increased sign-up bonus.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009
0

Re: AMEX Plat Upgrade


LS2982 wrote:

Also since I recently upgraded to a PRG so would my AF be reduced if I upgraded??


IIRC, you get a prorated refund on the the PRG and you pay a prorated AF for the Plat, so essentially the difference in AF between the two cards.

 

I would not product change to this card unless the PC came with a bonus point offer.  I would just apply for a new card before doing that.  Especially with Amex since you'll take the inquiry but the account won't appear as a new account, so the only harm to your score will be for the HP which is pretty minor.

 

I don't know if I agree about holding out for a 100K offer.  Would be great if that comes around again, but not sure I would count on it.  If you could get 50K to PC, I think that is worth taking.

 

There are a lot of benefits, but I think it mostly boils down to whether you value airport lounge access.  If you don't value the lounge access, there isn't a whole lot of point in getting this card.  I carry it because I like being able to use the lounges.  I find the other benefits mostly incidental.  

 

That said, I do try to put electronics purchases on this card.  My wife dropped her iPad a week after I bought it and Amex replaced it.  I know there are other cards that have similar protections, but it was a pretty painless process with Amex.  Maybe it is with other cards as well, but I haven't had a chance to compare.    


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
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Re: AMEX Plat Upgrade

For the current Plat cardholders:

How does the concierge service work??
Have you used it?
What kinds of things can they help with?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
vpae
Posts: 539
Registered: ‎03-21-2012
0

Re: AMEX Plat Upgrade


LS2982 wrote:
For the current Plat cardholders:

How does the concierge service work??
Have you used it?
What kinds of things can they help with?

+1.

 

I am considering this card too and I'm curious about the concierge service.

 

I need a helicopter and some fireworks. Think they can help? (:smileyvery-happy: I'm actually mostly serious here, lol)

 

7/11/14 EX 764 - EQ 756 - TU 783 -- (myFico) | 10/14/14 TU 783 (Barclay) | 10/08/14 EX 779 (FNBO) | Mouseover for CLs

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