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Platinum Amex requirement

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Gornet
Frequent Contributor

Platinum Amex requirement

What are the requirements for the platinum card?? I applied then got declined and my mom threw away the decline reason paper before I can read it...
I heard that all the charge cards got all the same requirements but what are they..?
Thanks
PRG NPSL - Reserve 4.5k - Delta Gold 6.5k - Ritz 6.8k - CSP 5k
My Credit story
Message 1 of 25
24 REPLIES 24
Gornet
Frequent Contributor

Re: Platinum Amex requirement

And when can I apply without getting a hard pull
PRG NPSL - Reserve 4.5k - Delta Gold 6.5k - Ritz 6.8k - CSP 5k
My Credit story
Message 2 of 25
Creditaddict
Legendary Contributor

Re: Platinum Amex requirement


@Gornet wrote:
What are the requirements for the platinum card?? I applied then got declined and my mom threw away the decline reason paper before I can read it...
I heard that all the charge cards got all the same requirements but what are they..?
Thanks

you should be able to google american express app status page and then you should be able to click on the decline online and pull up the letter of why.

I'm SHOCKED you have a revolving credit card (delta) but were declined the charge card!?

Message 3 of 25
LearningMoreAboutCredit
Frequent Contributor

Re: Platinum Amex requirement


@Creditaddict wrote:

@Gornet wrote:
What are the requirements for the platinum card?? I applied then got declined and my mom threw away the decline reason paper before I can read it...
I heard that all the charge cards got all the same requirements but what are they..?
Thanks

you should be able to google american express app status page and then you should be able to click on the decline online and pull up the letter of why.

I'm SHOCKED you have a revolving credit card (delta) but were declined the charge card!?


+1


Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
Message 4 of 25
Gornet
Frequent Contributor

Re: Platinum Amex requirement

I actually applied for the platinum on the day I was accepted for the gold card
PRG NPSL - Reserve 4.5k - Delta Gold 6.5k - Ritz 6.8k - CSP 5k
My Credit story
Message 5 of 25
Gornet
Frequent Contributor

Re: Platinum Amex requirement

And omg thanks I will do that
PRG NPSL - Reserve 4.5k - Delta Gold 6.5k - Ritz 6.8k - CSP 5k
My Credit story
Message 6 of 25
SuperKirby
Established Contributor

Re: Platinum Amex requirement


@Gornet wrote:
I actually applied for the platinum on the day I was accepted for the gold card

They usually won't approve you for two cards on the same day. If your profile is AWESOME, then you would probably be approved for two cards in the same day.

Message 7 of 25
Creditaddict
Legendary Contributor

Re: Platinum Amex requirement


@SuperKirby wrote:

@Gornet wrote:
I actually applied for the platinum on the day I was accepted for the gold card

They usually won't approve you for two cards on the same day. If your profile is AWESOME, then you would probably be approved for two cards in the same day.


a charge card and a credit card on the same day are very much the norm. especially the charge card being the credit card is usually the declined one out of the two if one is.

Message 8 of 25
grinlikechelsea
Established Contributor

Re: Platinum Amex requirement

If I'm not mistaken, you were the poster that was approved for the Delta by listing $0 as your income, correct?

 

I think if you did that again in addition to your credit profile being so new, you may have been declined due to a thin file, too many INQs, and credit obligations exceeding stated income (or something to that effect).

Message 9 of 25
Creditaddict
Legendary Contributor

Re: Platinum Amex requirement


@grinlikechelsea wrote:

If I'm not mistaken, you were the poster that was approved for the Delta by listing $0 as your income, correct?

 

I think if you did that again in addition to your credit profile being so new, you may have been declined due to a thin file, too many INQs, and credit obligations exceeding stated income (or something to that effect).


+1 that would make sense!

Message 10 of 25
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