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Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007

Re: Amex Platinum Charge Card and Amex Delta Gold Card Approved.


Aoi wrote:

 

hat's awesome news then! Congrats on all your AMEX approvals :smileyvery-happy:

 

 

Now, which charge card to apply for hehe


I think Zync is easy to get approval. But Gold offers the best rewards and probably easy to get approved also. Customer Service is one of the best with Amex.

Senior Contributor
score_building
Posts: 3,497
Registered: ‎01-10-2008

Re: Amex Platinum Charge Card and Amex Delta Gold Card Approved.

Concord- were these both personal amex accts?

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007

Re: Amex Platinum Charge Card and Amex Delta Gold Card Approved.


score_building wrote:

Concord- were these both personal amex accts?


Yes, these two cards are personal cards.

Established Contributor
jefftca925
Posts: 680
Registered: ‎08-14-2008

Re: Amex Platinum Charge Card and Amex Delta Gold Card Approved.

Are you putting that much $$ through these cards (Plum, Platinum, Delta) that it makes it worth it for the annual fees?  Over $700 a year?  Will you use the benefits of these cards?  It just seems to be a lot of money to spend for the sake of boosting a FICO score IMO.  I would think that those Amex cards you closed last year would still be on your CRA and therefore helping your AAoA.

CCs: Chase Freedom World MC 6.9k, CSP VISA Sig 7k, BofA Amex 12.5k, Discover 10.5k, US Bank Cash+ Visa Sig 12.5k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 9.2k, Citi AA Amex 6k, Nordstrom Visa Sig 10k, Amex Zync, Costco Amex 12k, BofA CR Visa Sig 17k, Amex BCP 9.5k, Amex Blue 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 4k, NFL Visa 4k, Patelco Visa 10k, Penfed PR Visa 44.6k, Chase United Visa Sig 13k, Chase Marriott Visa Sig 8k, Citi Simplicity 11.4k, PayPal MC 5k, Compass Visa 4k, WF Visa Sig 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sig 10.8k, Capital One QS Visa 3k, FRN MC 12k, Vitacost MC 12k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k FICOs as of June '14...EQ 808 TU 804 EX ?
Frequent Contributor
bakalao2k
Posts: 448
Registered: ‎02-21-2009

Re: Amex Platinum Charge Card and Amex Delta Gold Card Approved.

Congrats concorduser.  When I logged into my AMEX Blue account, I noticed that I was pre-approved for AMEX Gold and Platinum charge cards.  I'm very tempted to pull the trigger.

TU - 737 - 02/21/09, 769 - 02/06/10, 795 - 09/08/10
EQ - 758 - 02/21/09, 783 - 02/06/10, 805 - 09/08/10
EX (PLUS) - 781 03/23/09, 787 - 02/06/10, 783 - 08/09/10
Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007

Re: Amex Platinum Charge Card and Amex Delta Gold Card Approved.


jefftca925 wrote:

Are you putting that much $$ through these cards (Plum, Platinum, Delta) that it makes it worth it for the annual fees?  Over $700 a year?  Will you use the benefits of these cards?  It just seems to be a lot of money to spend for the sake of boosting a FICO score IMO.  I would think that those Amex cards you closed last year would still be on your CRA and therefore helping your AAoA.


Plum and Delta does not have AF for the first year. Next year whe the renewal comes, I can ask for product change a no AF card. As per Platinum card, I am trying to see if I can change it to gold which does not have AF. As per my spending on the card, average I spend around $24-30K / month on my amex cards.

Established Contributor
jefftca925
Posts: 680
Registered: ‎08-14-2008

Re: Amex Platinum Charge Card and Amex Delta Gold Card Approved.

 


concorduser wrote:

jefftca925 wrote:

Are you putting that much $$ through these cards (Plum, Platinum, Delta) that it makes it worth it for the annual fees?  Over $700 a year?  Will you use the benefits of these cards?  It just seems to be a lot of money to spend for the sake of boosting a FICO score IMO.  I would think that those Amex cards you closed last year would still be on your CRA and therefore helping your AAoA.


Plum and Delta does not have AF for the first year. Next year whe the renewal comes, I can ask for product change a no AF card. As per Platinum card, I am trying to see if I can change it to gold which does not have AF. As per my spending on the card, average I spend around $24-30K / month on my amex cards.


oh ok.  If you're putting some decent coin through the cards it's not a bad thing to have them.  I would probably PC to cards that have the best rewards program for a lower AF.  The personal Plat card looks like it is beneficial for the frequent traveler or one that entertains clients a lot.  The AF is pretty high.

 

CCs: Chase Freedom World MC 6.9k, CSP VISA Sig 7k, BofA Amex 12.5k, Discover 10.5k, US Bank Cash+ Visa Sig 12.5k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 9.2k, Citi AA Amex 6k, Nordstrom Visa Sig 10k, Amex Zync, Costco Amex 12k, BofA CR Visa Sig 17k, Amex BCP 9.5k, Amex Blue 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 4k, NFL Visa 4k, Patelco Visa 10k, Penfed PR Visa 44.6k, Chase United Visa Sig 13k, Chase Marriott Visa Sig 8k, Citi Simplicity 11.4k, PayPal MC 5k, Compass Visa 4k, WF Visa Sig 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sig 10.8k, Capital One QS Visa 3k, FRN MC 12k, Vitacost MC 12k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k FICOs as of June '14...EQ 808 TU 804 EX ?

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