Credit Cards

[twelfthjoe2]

Not long ago I had posted on here and did not really get any good replies so I thought I would add a little more detail and maybe that would help. Anyways I had posted about how one day a little over a month ago a friend was over and a commercial for American Express came on the TV so we were messing around and both applied for the platinum card. I’m 21 and then the only card I had was a Capital One card with a $500 limit and they refused to increases it not long ago when I asked. Keeping in mind I have never missed a payment or ever used more the 50% of the credit. I had it about a year. He as a Capital One card also but with a $300 limit. Had it about 6 mouths. He applied first and got declined for it right away and I started thinking maybe I shouldn’t but did anyways and I got this.

Thank You for applying for the American Express® Platinum Card. In order to provide you with an instant decision, we need to speak with you.

So I called gave them my SSN they pulled it up asked me a few questions. Where I live, where I work, what I make and so on. I told them everything honesty. I’m a Hotel Front Desk Supervisor and Housekeeping Supervisor and only make around 45k a year. She then asked me to hold for a few minutes as she had to check something. I have no idea what anybody got any ideas?

She then came back about 5 minutes later and said. Welcome to American Express you are  approved for our Platinum card and you'll get your card in the mail with-in 2 or 3 days.

So after thinking about it for a while and still am I thought man how did I get this? Does anybody have any ideas? Did the Capital One card help that much? I have also checked my credit report and had a credit score of 668 I believe. I see two Capital One inquires one for the card and the other for the increases I’m guessing the American Express one is also on there and a student loan is on there also. Thanks for your replies in advance.

And for anybody that may not believe me.

[beb86]

congrats but you may want to take these pics off. we used to have a thread that everyone showed off their plastic but it was shut down for security reasons 

[j_casteel]

congrats!

hope you use it enough to make that AF worth it. 

[Koop10010]

Congrats.  Posting pictures of your own plastic violates the forum rules now I think, so you may have to remove those.  Anyway, Amex charge cards aren't actually that hard to get.  I qualified for a Gold with 8 months history on one card and 5 on another, both had $500 limits.  Some have gotten a charge card with as little as 6 months history.  Honestly, I wouldn't have been surprised if you had gotten an instant approval.

[twelfthjoe2]

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beb86 wrote:

congrats but you may want to take these pics off. we used to have a thread that everyone showed off their plastic but it was shut down for security reasons 

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Thanks for the advice.

 I had only really posted them because last time I got a few PM's saying well basically I'm full of crap.

[Shogun]

twelfthjoe2 is not full of crap.  He really has an AMEX.   Now take the pics down!   Oh, and btw, congrats on a job well done!!!

[twelfthjoe2]

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j_casteel wrote:

congrats!

hope you use it enough to make that AF worth it. 

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Thanks! I got a roundtrip plane ticket with it on Delat and already got about $80 refunded for seat upgrades.

[beb86]

its funny to think that the AF for the amex plat is almost your CL on your CAP1

[alboto]

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beb86 wrote:

its funny to think that the AF for the amex plat is almost your CL on your CAP1

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Lmao

[twelfthjoe2]

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beb86 wrote:

its funny to think that the AF for the amex plat is almost your CL on your CAP1

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I know. But at this rate ill end up getting the $200 airline credits or close to it and the 25k points for putting my school charges on it. So it pretty much paid for itself already.