topic Re: Amex Platinum Email? in Credit Card Applications

Amex Platinum Email?

zeeks87 — Wed, 29 May 2019 03:16:11 GMT

So i received an email about an 'offer'... as an american express card member, you know adding a new card gives you more choices and more benefits. That's why we would like to invite you to add the pla card to your wallet. Ect..... OFFER Expires 6/27/2019.

Ive already applied once for this card a couple months after i got my first amex. i have a total of seven inquirys the latest are this month one from a bis credit card from my bank and one from a discover card i applied for. i have a equifax 731 trans 724 experian 744. Should i go ahead and take them up on the offer?? I use my AMEX Cash Mag Card alot i have 4 users added on my card and pay it off every week or before because of the 4k limit. Id appreciate the feedbaack and suggestions!

Re: Amex Platinum Email?

Anonymous — Wed, 29 May 2019 03:20:44 GMT

If you will use the benefits and MR’s go for it!

If not, I’d pass. While it’s a nice looking card, it’s not worth $550 a year if you won’t recoup the AF.

Good luck!

Re: Amex Platinum Email?

Anonymous — Wed, 29 May 2019 06:02:19 GMT

Also keep in mind that this email is likely just marketing, check the prequal site to see if it even shows up under there. Although I see you listed an expiration date, is there any verbage in there about preapproval or prequalification?

Re: Amex Platinum Email?

Anonymous — Wed, 29 May 2019 09:01:46 GMT

What bonus are they offering you via the email? Because I got the 75k mr after 5k spend by doing incognito mode after I saw I was pre approved when I checked the card offers link.

As for the fee it’s worth it in the first year because of the Bonus MR and Uber credits alone then you can always cancel after the first year (make sure you keep it for thr full year to avoid clawback of the bonus)

Re: Amex Platinum Email?

pinkandgrey — Wed, 29 May 2019 14:58:54 GMT

@Anonymous wrote:
If you will use the benefits and MR’s go for it!
If not, I’d pass. While it’s a nice looking card, it’s not worth $550 a year if you won’t recoup the AF.
Good luck!

^^^This^^^. If you know for a fact that your use will outweigh the large AF, then check the actual prequals on your account. If you’re good to go, then app away lol

Re: Amex Platinum Email?

zeeks87 — Wed, 29 May 2019 16:06:07 GMT

I received a rsvp code as well is this what you mean for prequel or Where can I check that

Re: Amex Platinum Email?

zeeks87 — Wed, 29 May 2019 16:06:43 GMT

I think it’s 60k points after you spend 5k

Re: Amex Platinum Email?

swpopham — Wed, 29 May 2019 16:32:29 GMT

@zeeks87 wrote:
I think it’s 60k points after you spend 5k

id pass till its 100k or better.

Re: Amex Platinum Email?

Anonymous — Wed, 29 May 2019 18:01:13 GMT

@zeeks87 wrote:
I received a rsvp code as well is this what you mean for prequel or Where can I check that

Here's the link to check AMEX prequal: https://www.americanexpress.com/us/credit-cards/check-for-offers/

Sounds like if you got an rsvp code you might be preapproved, but I would still check just to see what shows up under your name on that link.

Re: Amex Platinum Email?

zeeks87 — Wed, 29 May 2019 18:20:26 GMT

Thank you @creditslug

Re: Amex Platinum Email?

zeeks87 — Thu, 30 May 2019 02:30:18 GMT

So i went ahead and did the prequal and said i was pre approved and went ahead with it got approved for the plat with 8k cash adavanced and ''No pre-set spending limit'' ? So it means that i dont have a set limit??

Re: Amex Platinum Email?

FinStar — Thu, 30 May 2019 02:42:33 GMT

@zeeks87 wrote:
So i went ahead and did the prequal and said i was pre approved and went ahead with it got approved for the plat with 8k cash adavanced and ''No pre-set spending limit'' ? So it means that i dont have a set limit??

Per AmEX T&C's:

No Preset Spending Limit

No preset spending limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.

Re: Amex Platinum Email?

FinStar — Thu, 30 May 2019 02:44:37 GMT

Congrats on the approval @zeeks87. Enjoy the new card!

Locking this thread as you have been approved. Feel free to start a new approval thread in the Approvals forum if you would like to do so.