*UPDATE* Amex Charge Denied but Revolver Approved?

[buildingcreditfromnothing]

*UPDATE*

I called Amex and it turns out they were protecting my identity by declining the applicatons. I now have three revolvers with them:

Mercedes Benz: $12,500

Delta Reserve: $19,500

Starwood: $21,000.

My application for the Platinum was just denied. I'll never know why I can't get a charge card...

Hello everyone!

I have always been under the impression that Amex charge cards are easier to obtain, but was instantly denied for the Platinum and instantly approved for the SPG on the same day. My CL on the SPG is $21,000 yet I can't get a Platinum. It doesn't make much sense to me... What do you guys think?

Thanks so much!

[Closingracer99]

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@buildingcreditfromnothing wrote:

Hello everyone!

I have always been under the impression that Amex charge cards are easier to obtain, but was instantly denied for the Platinum and instantly approved for the SPG on the same day. My CL on the SPG is $21,000 yet I can't get a Platinum. It doesn't make much sense to me... What do you guys think?

Thanks so much!

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I say who cares what Amex is thnking and be glad you got an Amex card  

I never looked that much into it lol 

[buildingcreditfromnothing]

I understand what you're thinking I just can't help but be amazed that they don't trust me with a charge lol!

[twist7d7]

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@buildingcreditfromnothing wrote:

Hello everyone!

I have always been under the impression that Amex charge cards are easier to obtain, but was instantly denied for the Platinum and instantly approved for the SPG on the same day. My CL on the SPG is $21,000 yet I can't get a Platinum. It doesn't make much sense to me... What do you guys think?

Thanks so much!

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Dont you need a year of history with a charge chard before you can get the plat? unless you got a targeted offer

[jsucool76]

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@twist7d7 wrote:

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@buildingcreditfromnothing wrote:

Hello everyone!

I have always been under the impression that Amex charge cards are easier to obtain, but was instantly denied for the Platinum and instantly approved for the SPG on the same day. My CL on the SPG is $21,000 yet I can't get a Platinum. It doesn't make much sense to me... What do you guys think?

Thanks so much!

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Dont you need a year of history with a charge chard before you can get the plat? unless you got a targeted offer

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I've not heard that before. 

[taxi818]

Would much rather have that revolver. even with 1k limit. over charge. but to each his own. But that 450 AF YIKES!!!!!!

[buildingcreditfromnothing]

I didn't know that you needed a year of charge card history to get the Plat... My bad They deny me for every charge product, but give me any revolver I want.... So odd lol

[Closingracer99]

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@taxi818 wrote:

Would much rather have that revolver. even with 1k limit. over charge. but to each his own. But that 450 AF YIKES!!!!!!

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Trust me if you fly a lot that $450 AF is worth it

[jsucool76]

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@taxi818 wrote:

Would much rather have that revolver. even with 1k limit. over charge. but to each his own. But that 450 AF YIKES!!!!!!

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Yeah but if you apply before the year is over you'll get the $200 airline credit now, and then be eligible again in january, effectively bringing your AF down to $50, then when you add in the global entry credit your AF is -$50. lol 

[Closingracer99]

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@buildingcreditfromnothing wrote:

I didn't know that you needed a year of charge card history to get the Plat... My bad They deny me for every charge product, but give me any revolver I want.... So odd lol

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Naa i don't believe so ... They all have the same underwriting so you would of gotten declined for the Green card as well