topic Re: Approved for AMEX Platinum with Thin File in Credit Card Approvals

Approved for AMEX Platinum with Thin File

manateemark — Fri, 07 Aug 2020 14:16:57 GMT

I started my credit journey in October 2019 with the Apple Card, added the Discover it card in December and then in March the Amex Cash Magnet Card. I also added a Navy Federal SSL loan for $3.5k in June that I paid down to $300. I have always paid off the complete balance and have had high spend on each card since I have received the minimum credit limits for all of them when approved; $250, $500, and $1000; respectively. The only one that has granted a CLI is Apple to $500. The Cash Magnet had a 5% back promo going on for 6 months so I had no motivation to app for any other cards since you cannot beat 5%. Well that 6 months is just about up and I saw that Amex had the platinum on the pre-qual page, which that card and then the Chase CSR have been the last two cards that I would like. I figured that since it was only a soft pull that it couldn't hurt to at least try and sure enough I got approved!

They used my Experian report from July which said my FICO is 734. I also have had 8 inquiries since September, with the lastest in June. I am military so I am not sure if that had an effect, but I was very surprised to see that since my file is so thin.

Re: Approved for AMEX Platinum with Thin File

AllZero — Fri, 07 Aug 2020 14:18:01 GMT

Congratulations on your approval!

Re: Approved for AMEX Platinum with Thin File

Irv02 — Fri, 07 Aug 2020 14:35:58 GMT

Congratulations on your new Amex Platinum card!!!

Re: Approved for AMEX Platinum with Thin File

Red1Blue — Fri, 07 Aug 2020 15:03:51 GMT

Are you sure you want pay high AF for Amex Platinum ? If you do not travel much especially now a days it is not worth paying the AF for that card.

Re: Approved for AMEX Platinum with Thin File

Anonymous — Fri, 07 Aug 2020 15:22:52 GMT

Congratulations on your approval!

Re: Approved for AMEX Platinum with Thin File

Anonymous — Fri, 07 Aug 2020 15:23:23 GMT

@Red1Blue wrote:
Are you sure you want pay high AF for Amex Platinum ? If you do not travel much especially now a days it is not worth paying the AF for that card.

OP said they are military, which means they can get the AF waived.

Re: Approved for AMEX Platinum with Thin File

gingerflower — Fri, 07 Aug 2020 15:50:20 GMT

@Red1Blue

@manateemark

Re: Approved for AMEX Platinum with Thin File

lhcole77 — Fri, 07 Aug 2020 16:41:18 GMT

Congrats @manateemark on your new card. This is easily one of my favorites.

There are so many credits available on this card.

Check them all out! And enjoy your new card.

Re: Approved for AMEX Platinum with Thin File

M_Smart007 — Fri, 07 Aug 2020 16:56:34 GMT

Congratulations on your Approval..

Re: Approved for AMEX Platinum with Thin File

cashorcharge — Fri, 07 Aug 2020 18:28:38 GMT

Congratulations!

Make sure to keep track of those new bonuses that they've added to the Platinum Card lately as you'll be getting that $550 AF on your first bill and the usage/credits coming up will help pay you back over time. Not as generous as Chase but it's better than nothing

Re: Approved for AMEX Platinum with Thin File

blindambition — Fri, 07 Aug 2020 18:33:43 GMT

Congrats on the approval!! Nice lineup you've established. Thank you for your service!!! 🥳

Re: Approved for AMEX Platinum with Thin File

manateemark — Fri, 07 Aug 2020 19:03:13 GMT

Thank you, and like I had mentioned since I'm Military I won't have to worry about the cost of the annual fee, so this card is almost just free credits.

Re: Approved for AMEX Platinum with Thin File

manateemark — Fri, 07 Aug 2020 19:04:22 GMT

Yes, since I'm Military I don't need to worry about annual fees for credit cards while I remain on active duty so I'd rather enjoy all the perks now of these high tier cards without the biggest drawback; fees.

Re: Approved for AMEX Platinum with Thin File

gdale6 — Fri, 07 Aug 2020 19:17:58 GMT

Grats on getting that particular card!!

Re: Approved for AMEX Platinum with Thin File

cashorcharge — Fri, 07 Aug 2020 20:27:42 GMT

Ahhh @manateemark I wasn't aware AMEX was waiving that for active military as an option. Thanks and thank you for your service!

Re: Approved for AMEX Platinum with Thin File

manateemark — Fri, 07 Aug 2020 20:57:09 GMT

Yes, that is one of the greatest perks when it comes to being active duty military and credit cards. All annual fees are waived across all brands that I know of except for Luxury Card's.

Re: Approved for AMEX Platinum with Thin File

CreditAggie — Fri, 07 Aug 2020 21:25:30 GMT

Congratulations on your Amex Platinum approval!

Re: Approved for AMEX Platinum with Thin File

Brooklyn2018 — Sat, 08 Aug 2020 04:50:26 GMT

Congrats on your approval!!👍

I❤️NY

Re: Approved for AMEX Platinum with Thin File

randomguy1 — Sat, 08 Aug 2020 05:05:22 GMT

Congrats. Great card to have. No AF = no brainer.

Re: Approved for AMEX Platinum with Thin File

mrcraft — Sat, 08 Aug 2020 05:17:29 GMT

Congratulations on your approval!!