Amex Business Platnium

[Anonymous]

Hey all, I'm thinking about pulling the trigger on some sort of new business CC and saw the 125k points bonus on the AMEX business platnium. I'm moving my business soon and having a little more credit never hurts. I'm going to post some information on my current credit to see what you may think my chances are.

Business Gross: 300k

Personal Income: 100k

Fico 8 Bank card scores:

Equifax: 785

TU: 815

EX: 795

Fico 8:

EQ: 776

TU: 799

EX: 784

Hard Pulls:

EQ: 3 (last one being 8/2020)

TU: 3 (Last being 4/2021)

EX: 3 (last being 8/2020)

Most recent accounts opened:

Chase Sapphire Pref: 8/2020

Apple Card: 10/2020

Personal CL and what is being used.

$400 of $15,500

Business CL and what is being used.

$7,500 of $16,500

If there is anything I've missed let me know. 

Thanks,

Dan

[CaptJOB]

Business utilization is a little high but I'm not sure if AmEx will see that from pulling your personal report. I'd be surprised if you weren't approved.

[Anonymous]

@CaptJOB 

Just to be clear that isn't the balance on my statement, that is just the total I'm carrying currently. I always have a grace period and fully paid before my statement is due. 

[CaptJOB]

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@Anonymous wrote:

@CaptJOB 

Just to be clear that isn't the balance on my statement, that is just the total I'm carrying currently. I always have a grace period and fully paid before my statement is due. 

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Even better. I would feel very comfortable applying for this if I were you. Worst case scenario is you get an HP on Experian and are denied but my position stands. Pretty surprising if you don't get approved.