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Will I Get Approved- Amex Platinum

Established Member

Will I Get Approved- Amex Platinum

Just got a zync.

Ex score 658

AAoA 3.3 years, oldest 12 yrs old

6% utilization, 18k available credit.

 

4 total late payments, 2 court collections

Everything else is perfect within last 3-4 years

 

Would love the platinum perks, just not sure if the low utilization can make up for sub 700 score.

 

 

Any thoughts?

Message 1 of 14
13 REPLIES
Epic Contributor

Re: Will I Get Approved- Amex Platinum

If you got Zync, I would bet 95% approved for Platinum also.

Message 2 of 14
Established Member

Re: Will I Get Approved- Amex Platinum

UPDATE:

 

So i decided to go for it......

 

and I got approved! 

 

I guess my credit was better than I thought.

 

 

 

Message 3 of 14
Valued Contributor

Re: Will I Get Approved- Amex Platinum


Creditaddict wrote:

If you got Zync, I would bet 95% approved for Platinum also.


I respectfully disagree.

 

I may be, and probably am wrong, I know AmEx likes their 450AF for the Platinum, but I personally think the OPs score and the negatives would result in a decline.

 

This is just my opinion, I obviouslly have no idea if you would be approved, but I don't think you would for the Platinum based on the information you have provided.

 

If you do app, I honestly would love for you to come back and prove me wrong.

 

Good Luck.

 

 

EDIT: (Based on your above post) I'm glad you apped before reading my post, I would have hated to play part in you making a decision based on my opinion.

 

Congrats and I just learned something new today.

 


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Message 4 of 14
Epic Contributor

Re: Will I Get Approved- Amex Platinum

like I said I put a 95% or more approval on ANY Charge card once approved for any of the others... most seem to start at Zync and work up... I would start with what I really want and if not then apply down vs up!

I don't think this statement of mine holds true for getting approved a personal and then getting approved for a business charge.... but I think it's still pretty close.

 

Congrats on your Platinum... go sit in a lounge for me!

Message 5 of 14
Super Contributor

Re: Will I Get Approved- Amex Platinum

Congrats on the approval !!! The plat card is one of the best cards, if you travel frequently the rewards will more than make up for the annual fee. Just curious about your CR ~ you said "2 court collections". Are these reporting as judgements or collection accounts ?
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 6 of 14
Frequent Contributor

Re: Will I Get Approved- Amex Platinum


durdaninc wrote:

UPDATE:

 

So i decided to go for it......

 

and I got approved! 

 

I guess my credit was better than I thought.

 

 

 


SAY WHATTTTT!!!!  Congrats though.  I love the look of the cards and the awards that comes with it, however, I don't travel as much.  My Zync would do me just fine.  Beside, I heard the Zync cards make people take double looks....


5/30/15 EQ 596; TU 605; EX 580.
10/17/16 EQ 632; TU 656; EX 647
Message 7 of 14
Super Contributor

Re: Will I Get Approved- Amex Platinum


birjest wrote:

durdaninc wrote:

UPDATE:

 

So i decided to go for it......

 

and I got approved! 

 

I guess my credit was better than I thought.

 

 

 


SAY WHATTTTT!!!!  Congrats though.  I love the look of the cards and the awards that comes with it, however, I don't travel as much.  My Zync would do me just fine.  Beside, I heard the Zync cards make people take double looks....


I have had 2 waitresses so far ask me what kind of AMEX it was and that it looked pretty. People think of AMEX as the green card or the gold.




Message 8 of 14
Super Contributor

Re: Will I Get Approved- Amex Platinum


durdaninc wrote:

Just got a zync.

Ex score 658

AAoA 3.3 years, oldest 12 yrs old

6% utilization, 18k available credit.

 

4 total late payments, 2 court collections

Everything else is perfect within last 3-4 years

 

Would love the platinum perks, just not sure if the low utilization can make up for sub 700 score.

 

 

Any thoughts?



I apped for the Zync and the Platinum the same day and was approved. I took advantage of the 1 HP for the day. I use the Plat for travel and the lounges that you can access with the priority pass are a great perk. I have used the lounges overseas so far and it's a great feeling.




Message 9 of 14
Frequent Contributor

Re: Will I Get Approved- Amex Platinum


CS800 wrote:

birjest wrote:

durdaninc wrote:

UPDATE:

 

So i decided to go for it......

 

and I got approved! 

 

I guess my credit was better than I thought.

 

 

 


SAY WHATTTTT!!!!  Congrats though.  I love the look of the cards and the awards that comes with it, however, I don't travel as much.  My Zync would do me just fine.  Beside, I heard the Zync cards make people take double looks....


I have had 2 waitresses so far ask me what kind of AMEX it was and that it looked pretty. People think of AMEX as the green card or the gold.


Now that nice, real nice.  OP, congrats on the AMEX Plat. 


5/30/15 EQ 596; TU 605; EX 580.
10/17/16 EQ 632; TU 656; EX 647
Message 10 of 14