topic Re: Amex Platinum Application in Credit Card Applications

Amex Platinum Application

Anonymous — Mon, 19 Feb 2018 03:49:23 GMT

Trendy or not, if i could get a Platinum, i would.

For my profile, getting a charge card is hard, i know ppl say the charge cards are easier to get, but the opposite is true for me.

Mod note: I've moved the posts regarding your Platinum app to a new thread to get you additional exposure. --UB

Re: Amex Platinum Application

Anonymous — Mon, 19 Feb 2018 03:12:14 GMT

@Anonymouswrote:
Trendy or not, if i could get a Platinum, i would.

If your Experian is 660, you shouldn't have an issue.

Re: Amex Platinum Application

Anonymous — Mon, 19 Feb 2018 03:15:36 GMT

@Anonymouswrote:
@Anonymouswrote:
Trendy or not, if i could get a Platinum, i would.
If your Experian is 660, you shouldn't have an issue.

It is, but i just got the delta and SPG, so i'm trying to let some history build on those first. Plus i'm working down a BT and it would be hard to hit the spend bonus right now.

Re: Amex Platinum Application

Anonymous — Mon, 19 Feb 2018 03:16:27 GMT

@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
Trendy or not, if i could get a Platinum, i would.
If your Experian is 660, you shouldn't have an issue.
It is, but i just got the delta and SPG, so i'm trying to let some history build on those first. Plus i'm working down a BT and it would be hard to hit the spend bonus right now.

$5K on a card in three months can be steep for some people, including myself, agreed.

Go for the Ameriprise Plat and then you can get another Plat card with the sign up bonus later.

Re: Amex Platinum Application

Anonymous — Mon, 19 Feb 2018 03:16:38 GMT

@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
Trendy or not, if i could get a Platinum, i would.
If your Experian is 660, you shouldn't have an issue.
It is, but i just got the delta and SPG, so i'm trying to let some history build on those first. Plus i'm working down a BT and it would be hard to hit the spend bonus right now.
$5K on a card in three months can be steep for some people, including myself, agreed.

Go for the Ameriprise Plat and then you can get another Plat card with the sign up bonus later.

I was thinking about that since it has no AF the first year, but i dont have ameriprise history, so i wasnt sure they would do that. Everything i have, i've just gotten in the last year so my INQ's are high for most lenders.

Re: Amex Platinum Application

Anonymous — Mon, 19 Feb 2018 03:18:52 GMT

@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
Trendy or not, if i could get a Platinum, i would.
If your Experian is 660, you shouldn't have an issue.
It is, but i just got the delta and SPG, so i'm trying to let some history build on those first. Plus i'm working down a BT and it would be hard to hit the spend bonus right now.
$5K on a card in three months can be steep for some people, including myself, agreed.

Go for the Ameriprise Plat and then you can get another Plat card with the sign up bonus later.
I was thinking about that since it has no AF the first year, but i dont have ameriprise history, so i wasnt sure they would do that. Everything i have, i've just gotten in the last year so my INQ's are high for most lenders.

You don't need to be an Ameriprise customer to get the card, they don't even check. The inquiry will be a SP unless it's manually reviewed.

Re: Amex Platinum Application

Anonymous — Mon, 19 Feb 2018 03:19:04 GMT

@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
Trendy or not, if i could get a Platinum, i would.
If your Experian is 660, you shouldn't have an issue.
It is, but i just got the delta and SPG, so i'm trying to let some history build on those first. Plus i'm working down a BT and it would be hard to hit the spend bonus right now.
$5K on a card in three months can be steep for some people, including myself, agreed.

Go for the Ameriprise Plat and then you can get another Plat card with the sign up bonus later.
I was thinking about that since it has no AF the first year, but i dont have ameriprise history, so i wasnt sure they would do that. Everything i have, i've just gotten in the last year so my INQ's are high for most lenders.
You don't need to be an Ameriprise customer to get the card, they don't even check. The inquiry will be a SP unless it's manually reviewed.

I know i shouldnt have but i did, and it went to review. Here's to waiting it out and... NOPE no love for me.

Re: Amex Platinum Application

Anonymous — Mon, 19 Feb 2018 03:19:17 GMT

@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
Trendy or not, if i could get a Platinum, i would.
If your Experian is 660, you shouldn't have an issue.
It is, but i just got the delta and SPG, so i'm trying to let some history build on those first. Plus i'm working down a BT and it would be hard to hit the spend bonus right now.
$5K on a card in three months can be steep for some people, including myself, agreed.

Go for the Ameriprise Plat and then you can get another Plat card with the sign up bonus later.
I was thinking about that since it has no AF the first year, but i dont have ameriprise history, so i wasnt sure they would do that. Everything i have, i've just gotten in the last year so my INQ's are high for most lenders.
You don't need to be an Ameriprise customer to get the card, they don't even check. The inquiry will be a SP unless it's manually reviewed.
I know i shouldnt have but i did, and it went to review. Here's to waiting it out

My AMEX Ameriprise went to review and they approved it a few days later. I wouldn't stress it, charge cards are easy to get.

Re: Amex Platinum Application

Anonymous — Mon, 19 Feb 2018 03:19:31 GMT

@Anonymouswrote:
@AnonymousMy AMEX Ameriprise went to review and they approved it a few days later. I wouldn't stress it, charge cards are easy to get.

Thats the same thing i was told before i apped AMEX. i was told it was on the verge of not being approved the Delta, but my green should be no issue. as you can see from my sig, the opposite was true.. they have no interest in letting me have a charge card.

Re: Amex Platinum Application

Anonymous — Mon, 19 Feb 2018 03:19:49 GMT

@Anonymouswrote:
@Anonymouswrote:
@AnonymousMy AMEX Ameriprise went to review and they approved it a few days later. I wouldn't stress it, charge cards are easy to get.
Thats the same thing i was told before i apped AMEX. i was told it was on the verge of not being approved the Delta, but my green should be no issue. as you can see from my sig, the opposite was true.. they have no interest in letting me have a charge card.

I wouldn't tell yourself that. The charge cards are factually easier to get because of their nature.

Re: Amex Platinum Application

Anonymous — Mon, 19 Feb 2018 03:22:34 GMT

@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
@AnonymousMy AMEX Ameriprise went to review and they approved it a few days later. I wouldn't stress it, charge cards are easy to get.
Thats the same thing i was told before i apped AMEX. i was told it was on the verge of not being approved the Delta, but my green should be no issue. as you can see from my sig, the opposite was true.. they have no interest in letting me have a charge card.
I wouldn't tell yourself that. The charge cards are factually easier to get because of their nature.

And that may be, but for me and my profile I can't seem to get a charge but I have 2 credit no problem. Not sure of you saw above but the Ameriprise was denied.

Re: Amex Platinum Application

wasCB14 — Mon, 19 Feb 2018 03:22:56 GMT

Jago22,

What was the order of your apps? Did your report change much between apps (accounts reporting, increased balances, lots of added inquiries)?

You got 2 Amex revolvers, but not high limits on them.

Re: Amex Platinum Application

Anonymous — Mon, 19 Feb 2018 03:23:10 GMT

@wasCB14wrote:
Jago22,

What was the order of your apps? Did your report change much between apps (accounts reporting, increased balances, lots of added inquiries)?

You got 2 Amex revolvers, but not high limits on them.

I do have a lot of inq's but I had some EE success which is why my score is up to 660 now. It was 635 in Nov when they approved the delta and declined the green. Month later SPG approval at 643

Re: Amex Platinum Application

wasCB14 — Mon, 19 Feb 2018 03:23:27 GMT

@Anonymouswrote:
@wasCB14wrote:
Jago22,

What was the order of your apps? Did your report change much between apps (accounts reporting, increased balances, lots of added inquiries)?

You got 2 Amex revolvers, but not high limits on them.
I do have a lot of inq's but I had some EE success which is why my score is up to 660 now. It was 635 in Nov when they approved the delta and declined the green. Month later SPG approval at 643

Did you app for the Green or Delta first? Was Delta an instant approval? Was Green an instant denial?

Re: Amex Platinum Application

Anonymous — Mon, 19 Feb 2018 03:23:41 GMT

@wasCB14wrote:
@Anonymouswrote:
@wasCB14wrote:

Did you app for the Green or Delta first? Was Delta an instant approval? Was Green an instant denial?

Delta was a pre-approved offer, first and instant. Green was instant denied

@wasCB14

Re: Amex Platinum Application

Anonymous — Mon, 19 Feb 2018 03:23:54 GMT

@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
@Anonymouswrote:
@AnonymousMy AMEX Ameriprise went to review and they approved it a few days later. I wouldn't stress it, charge cards are easy to get.
Thats the same thing i was told before i apped AMEX. i was told it was on the verge of not being approved the Delta, but my green should be no issue. as you can see from my sig, the opposite was true.. they have no interest in letting me have a charge card.
I wouldn't tell yourself that. The charge cards are factually easier to get because of their nature.
And that may be, but for me and my profile I can't seem to get a charge but I have 2 credit no problem. Not sure of you saw above but the Ameriprise was denied.

Manual review isn’t a denial.

Re: Amex Platinum Application

Anonymous — Mon, 19 Feb 2018 03:34:07 GMT

@Anonymouswrote:
@AnonymousManual review isn’t a denial.

I got an email from AMEX to check the status and it says denied on the app status.

Re: Amex Platinum Application

Anonymous — Mon, 19 Feb 2018 03:48:16 GMT

@Anonymouswrote:
Trendy or not, if i could get a Platinum, i would.

Mod note: I've moved the posts regarding your Platinum app to a new thread to get you additional exposure. --UB

Thanks UB

Re: Amex Platinum Application

shoegal — Mon, 19 Feb 2018 04:21:29 GMT

Sorry Jago22! I got approved with a mailer around 660. I thought you would get it too.

Re: Amex Platinum Application

Anonymous — Mon, 19 Feb 2018 04:48:56 GMT

@shoegalwrote:
Sorry Jago22! I got approved with a mailer around 660. I thought you would get it too.

Thanks ShoeGal, i guess the part i dont get (i'm sure its a profile thing) is that EVERYONE seem to say that its easier to get a charge card, and from my experience its been quite the opposite.

I even went after the ameriprise platinum, since its no AF the first year, so that i could see if it would benefit me and if so i could go to the actual platinum with spend bonus, but no such luck. I"m not going to die without it, but it would have been nice and some extra validation that all my hard work over the past 10-11 months was paying off.