topic Re: Approved for the Platinum at 19 :) in Credit Card Approvals

Approved for the Platinum at 19 :)

dmeterix — Sun, 07 Nov 2021 03:24:38 GMT

Amex Platinum Card Approval at age 19

I just wanted to send this information out there for anyone who might be trying to do the same- and slightly brag . I got approved for the Platinum card two days ago, I turned 19 in September. My credit score was 749 in the report that they pulled- I only had that score because I got added as an approved user for one of my parent's cards that was 17 years old and had no missed payments. I would reccomend the same for anyone else working on aquiring credit as quickly as possible. If you can find someone with a similar card history that's willing to do it, definitly do it. I was able to convince them by telling them they could keep the card that they would ship me (so I can't spend anything) and that it's free. I also told them it would help me substantially to get my feet off the ground and that really seemed to be the main convincer. After that, I had a good credit score (750 off the bat) so I started applying for two unsecured credit cards right when I turned 18, and I got approved for both- the Discover It and the Apple Card. I made small payments over the last year using the card and paid it off fully at the end of every month for both cards, and a week ago my credit score was reporting as 780 in credit karma so I figured I'd go for the Platinum because I'm active duty military and could get it for free. They approved me, and I'm already enjoying the benefits. I reported my income as 25k a year and they still approved me to my surprise, immediately. If you're able to reproduce what I did I think anyone my age could do it. I was told beforehand that they usually only accept 21ish+ but it would seem if you have a high enough credit score it will auto approve. Next up the Chase Sapphire Reserve . Also thank you all who post on here for the tips that helped me learn so much so quick on how to improve my score.

Current Fico 743

Utilization 9%

5 Hard Inquiries in the last 24 months

2 Inquiries in the last 12 months

Income 25k

Average length of credit 7 years

Re: Approved for the Platinum at 19 :)

3004life — Sun, 07 Nov 2021 03:13:38 GMT

First of all thank you for your service! Second congratulations for your approval and keep up the good work establishing your credit profile. Best wishes to you as you journey through life, I am certain you will do well.

Re: Approved for the Platinum at 19 :)

Sub16610 — Sun, 07 Nov 2021 03:54:11 GMT

Congratulations on your Amex Platinum approval! Thanks for your service!

Re: Approved for the Platinum at 19 :)

Total80sKid — Sun, 07 Nov 2021 03:57:07 GMT

Congrats on your Platinum approval 👍🏼

Re: Approved for the Platinum at 19 :)

Trini88 — Sun, 07 Nov 2021 03:59:11 GMT

Congrats!

Re: Approved for the Platinum at 19 :)

NRB525 — Sun, 07 Nov 2021 08:50:49 GMT

Congrats on your approval!

I think it's great they offer this no-AF for active duty, and thank you for your service!

Enjoy the perks of the Platinum.

Re: Approved for the Platinum at 19 :)

Anonymous — Sun, 07 Nov 2021 09:23:50 GMT

Congrats for the card. I didn't know about getting Amex Platinum card for free until somebody told me few months ago. Maybe during my time, it was not the same or I didn't get the info. Anyway, it is awesome and congrats! Since you are still active, it is best to open a bank account with Navy Federal Credit Union. They have good credit cards offer and services. However, just be careful not to overspend. I know a lot of guys in my units having that problems. The credit card companies for whatever reason able to get a hold of the our squadron and company. The company would make the guys going through financial counseling and if they failed to fulfill the counseling they would get negative counseling. Anyway, congrats again.

I just found this article:

https://militarymoneymanual.com/american-express-waives-all-card-holder-fees-for-active-duty-military/

I wish I know about this in the past.

Re: Approved for the Platinum at 19 :)

BERNARDBLJ — Sun, 07 Nov 2021 10:54:42 GMT

Excellent Job......

Re: Approved for the Platinum at 19 :)

KingRue8500 — Sun, 07 Nov 2021 11:27:38 GMT

Congrats on your AMEX Platinum approval

Re: Approved for the Platinum at 19 :)

SUPERSQUID — Sun, 07 Nov 2021 12:27:45 GMT

CONGRATS !!!!!

Thank you for your service.

If you are looking for a second really nice cc i suggest you join Navy Federal Credit Union, its only like 5 or 10 bucks to open a savings with them.

I think they have a preference for active duty because every time i check the prequal page it asks me if im active duty, im not. i have veteran status.

NFCU has some pretty nice rewards cards and good sl's.

Re: Approved for the Platinum at 19 :)

ChargedUp — Sun, 07 Nov 2021 13:56:23 GMT

Congrats and thank you for your service!

Re: Approved for the Platinum at 19 :)

Lou-natic — Sun, 07 Nov 2021 14:39:17 GMT

@SUPERSQUID wrote:
CONGRATS !!!!!
Thank you for your service.
If you are looking for a second really nice cc i suggest you join Navy Federal Credit Union, its only like 5 or 10 bucks to open a savings with them.
I think they have a preference for active duty because every time i check the prequal page it asks me if im active duty, im not. i have veteran status.
NFCU has some pretty nice rewards cards and good sl's.

Let me 2nd this, NFCU is freaking amazing. I only just joined in 2020 and am kicking myself in the butt for not joining sooner. I have gotten 2 car loans and a mortgage through them so far and it's been amazing. Their auto loans are ridiculously easy to apply for and they send the check to you. You don't even have to tell them what you are buying before hand so none of that back and forth nonsense between dealer and bank. Really the best program out there IMHO. Their mortgages are pretty easy as well and great VA rates. I just got a 2.375% VA home loan without buying points...If you can get in at Navy Federal you won't regret it.

Grats on your AMEX Platinum card at the ripe age of 19, I wish when I was 19 and in the Army I had the knowlege I have now about credit. Would have saved me a lot of headaches and it sounds like you are on a good path so keep it up.

Re: Approved for the Platinum at 19 :)

gdale6 — Sun, 07 Nov 2021 14:44:16 GMT

Sweet, enjoy the card and welcome to the board

Re: Approved for the Platinum at 19 :)

cashorcharge — Sun, 07 Nov 2021 17:27:01 GMT

Nicely done!! Congratulations on your AMEX approval!! 👏🏼🎉🍾

Re: Approved for the Platinum at 19 :)

CreditAggie — Sun, 07 Nov 2021 23:33:10 GMT

Congratulations on your Amex Platinum approval! Thank you for your service.

Re: Approved for the Platinum at 19 :)

Borealis — Mon, 08 Nov 2021 03:31:33 GMT

Congrats! I wish I knew at 19 (or 29 or 39...) what I know about credit now. I would echo the recommendations here about starting a relationship with Navy Federal, they are awesome. You are on a great path, stay golden!

Re: Approved for the Platinum at 19 :)

coreyb80 — Mon, 08 Nov 2021 21:37:25 GMT

Thank you for your service!!

Congrats on the great approval and that's solid that they waive the AF for those in the service as well!!

Re: Approved for the Platinum at 19 :)

M_Smart007 — Fri, 12 Nov 2021 15:26:38 GMT

Congrats on the Platinum approval @ 19