topic Re: Amex Platinum in Credit Card Approvals

Amex Platinum

joeyv1985 — Sun, 29 Nov 2020 20:19:29 GMT

I've been made whole. I went on Amex's website to see if I prequalified for any of their cards, and low and behold I was pre-approved for the Amex Plat with a 100K sign up bonus. I should receive the card on Tuesday. What a journey this has been. Amex closed my Platinum Card more than 12 years ago because I was viewed as a "risk". They were right. I paid the balance on the card in full. Since then, I've climbed from the financial abyss. Got a home 1.5 years ago, a car loan in 3 years ago now this card along with the Citi DC, Citi AAD and the CSP. The Plat bonus is predicated if I spend $5K in 6 months, which shouldn't be hard. $5K in 3 months and I probably wouldn't have applied. A year ago, my Fico 8 scores ranged between 570-610, now they're at 765-785. I'll probably hit 800 across the board sometime in Q1 2021 when some hard pulls age to 1 year, however this card will lower my average age, so we'll see. Nonetheless, this is a good day.

Re: Amex Platinum

AllZero — Sun, 29 Nov 2020 20:19:53 GMT

Congratulations on your approval!

Re: Amex Platinum

joeyv1985 — Sun, 29 Nov 2020 20:29:59 GMT

Thank you.

Re: Amex Platinum

gdale6 — Sun, 29 Nov 2020 20:39:10 GMT

Grats on your new Axp platinum

Re: Amex Platinum

joeyv1985 — Sun, 29 Nov 2020 20:41:53 GMT

Thank you. It's a good day.

Re: Amex Platinum

cashorcharge — Sun, 29 Nov 2020 20:44:32 GMT

Congratulations on your approval!

Re: Amex Platinum

joeyv1985 — Sun, 29 Nov 2020 20:55:18 GMT

Thank you

Re: Amex Platinum

Anonymous — Sun, 29 Nov 2020 20:55:56 GMT

Congrats @joeyv1985 - that's a great way to put a well-deserved exclamation point on a long journey and turnaround

Re: Amex Platinum

M_Smart007 — Sun, 29 Nov 2020 22:10:20 GMT

Congratulations!

Re: Amex Platinum

joeyv1985 — Mon, 30 Nov 2020 00:01:06 GMT

@Anonymous wrote:
Congrats @joeyv1985 - that's a great way to put a well-deserved exclamation point on a long journey and turnaround

Thank you Devil. From here it's just a matter of gardening. I'll pay off the car loan in the next couple of weeks or leave about $1-2K on the balance to help out my FICO Scores. I've already earmarked funds for Christmas and $ for a plumbing job/new shower installation of about $2500, so no real big purchases. 4 HP's will have reached the 1 year mark by the end of February and another one by the end of April. I will take a slight hit for opening this account(Experian hit me for 5 pts for the HP).

Re: Amex Platinum

Anonymous — Mon, 30 Nov 2020 00:44:56 GMT

Sounds like a good plan

Re: Amex Platinum

dudefromtx — Mon, 30 Nov 2020 03:10:32 GMT

Congrats on your approval!

Re: Amex Platinum

joeyv1985 — Mon, 30 Nov 2020 03:12:51 GMT

Thank you.

Re: Amex Platinum

Meanmchine — Mon, 30 Nov 2020 03:19:45 GMT

And another rebuild success story

Congrats on getting back in with Amex !

Re: Amex Platinum

joeyv1985 — Mon, 30 Nov 2020 03:28:50 GMT

Thank you Mean Machine. I mean no disrespect for those who have these type of cards, but I would feel a bit ashamed when I had to pay for a meal with a Credit One card or the Capital One Platinum card. The gut punch of watching opportunities past by because of my credit scores. No more.

Re: Amex Platinum

Anonymous — Mon, 30 Nov 2020 06:51:55 GMT

Congrats! Welcome back to the bliss that is speaking to the Platinum service center

Re: Amex Platinum

CreditAggie — Mon, 30 Nov 2020 20:51:20 GMT

Congratulations on your Amex Platinum approval!