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Amex Ameriprise platinum denied

Valued Member

Amex Ameriprise platinum denied

I applied for the Ameriprise platinum ($0 AF first year) on the 30th, before the $0 AF was pulled this month.

The day I applied, I was pre-approved with Amex for platinum, afterwards, I was not. I have 50k limits with Amex across 4 credit cards and 2 charge cards. I've had a recent FR and passed with no AA. So, I don't think there's a issue with going higher. Also, the platinum is a charge card not credit card.

I have a restaurant and started carrying a balance over the summer. (slow time) Things have been better and this month I paid off 15k+ in balances on amex and paid off all of my personal cards hitting my credit report. However, most hadn't hit statements yet when I applied.

My amex personal card, chase amazon, and other cards have now reported for the month, 0 balance.

First off, if I were to go back and ask for reconsideration, would I get in under the $0 AF, since that's what they offered when I initially signed up?

Second, do they count internal (Amex) balances based on last statement (credit report) or current balance? Could additional payments since statement help me? Does Amex count utilization / credit limits of Amex business cards that aren't on my credit, but they're still aware of? I can't imagine they don't.

I currently have about 10k balance with Amex, 0 elsewhere, which is about 10% utilization overall as long as they count my amex business card limits.

The rest will be paid off this next month most likely, but if I can still get in under $0AF, I can't wait that long... I have 30 days from denial, yes?

Message 1 of 7
Community Leader
Super Contributor

Re: Amex ameritrade platinum denied

Since you applied under the terms of the "original" card you should be eligile under that but make sure you ask that first when you recon otherwise the rest of the conversation will not matter for your purposes


With everything else you mentioned it MIGHT be tied to your recent AA perhaps. They didn't take any action but wondering if you're on some temporary blacklist til things cool off. The balances you currently have with AMEX at that UTL should not matter I'm pretty sure.

FICO 08 Scores (Nov-18): TU 783, EQ 791, EX 771

Message 2 of 7

Re: Amex Ameriprise platinum denied

Hi OP - just a point of quick clarification to avoid confusion for any of the forum members.  You may want to update the subject title of the thread and your reference in the 1st paragraph to Ameriprise, not Ameritrade.  The Ameritrade Client Rewards Card is offered and serviced by TD Bank, not AmEx.

Message 3 of 7
Valued Member

Re: Amex Ameriprise platinum denied

Finstar, thanks for catching that. My bad. I fixed in subject and first sentence
Message 4 of 7
Valued Contributor

Re: Amex Ameriprise platinum denied

They just changed the structure on this card. It previously included no bonus but you got the AF waived for the first year. My wife was just approved for that a week prior to the change. Not sure that the UW standards have changed. Funny as it is usually easier to get a revolver with AX than their other products.

AX Hilton Aspire 20k, AX SPG 15k, SPG Business 15k, AX Hilton Business 10k (AU), AX Delta Air Platinum 15k, (AU) AX Platinum Amerprise charge card (AU), AX Amazon Prime Business 25k, BC Uber 29k, AKUSA FCU -10k , Discover (2) 13.5k , Kohls-4k, VS 750, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP 2k, PFCU Plat Rewards Siggy 39.5k, NFCU Go Rewards 35.5k, NFCU Flagship 45k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $5k,Target 1.9k, Ulta MC Comenity 6k, VS 1k Comenity, Pay Pal 1k, CO Venture One 23k, Nordstroms 2k, US Bank Radisson Rewards Signature 10k, 240k total available credit. Utiliz-2%, Current FICO EQ-707, EX 702,TU 715 Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 5 of 7
Valued Member

Re: Amex Ameriprise platinum denied

Yes, I'm aware they changed it. I signed up and was declined before the change... Trying to figure out if there's a way to recon the original app and get grandfathered... And how long I have to do so
Message 6 of 7

Re: Amex Ameriprise platinum denied

I'm not 100% certain, but I would think most of their apps may stay on the system for about ~30 days.  So, depending on when you applied, you likely have a short window to take action if you are pursuing any type of reconsideration.  Now, whether the declined application retains the same promotional "properties" as far as no SUB/AF waived the first year is really something AmEx may have to provide more direction given the recent Ameriprise changes.

Message 7 of 7