Amex Plat Chances?

[Anonymous]

Hey everyone,

So last month (with the help of the folk here, on r/churning, and many blogs), I was approved for the CSP/Freedom on the same day! I've found a backdoor link to a 100k Amex Plat offer through creditcards.com and am really tempted to pull the trigger. My scores/profile are below:

CK EQ Score: 728

CK TU Score: 735

CC Utilization: 2%

Credit Open:

WF - 5k

CSP - 16k

Freedom - 10k

Auto Loan - 5.8k remaining

Baddies: none

Avg Age: 10 mo (due to the new CSP/Freedom and me being fairly young)

Oldest Card: 2.4 yrs

Hard Inquiries (EQ): 5

Income: 82k

Reasons for wanting plat: I travel a lot, and a good deal internationally. The travel benefits alone would more than make up the $450 AF for me ($200 credit and premium lounge access). The 100k points would supplement travel plans I have in the future as well

Should I go for it? Amex pre-qual offered me Everyday, BC, and BCP

[Anonymous]

I think your odds are excellent.

[Anonymous]

You have a strong cahnce of gettig it.  Report back with results if you do apply..

[Anonymous]

Is AmEx usually okay with thin profiles with not too much age?

That's the only real hesitation I have to pulling the trigger

[Anonymous]

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@Anonymous wrote:

Is AmEx usually okay with thin profiles with not too much age?

That's the only real hesitation I have to pulling the trigger

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Yes, they love thin profiles.  You are over thinking it... Go do your thing..

[Anonymous]

You have good scores and good income.  i dont see a problem other than the AAOA.  I say you have a good chance.

[Anonymous]

Did you app yet?

[Anonymous]

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@Anonymous wrote:

Did you app yet?

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He's either too excited because he got approved and forgot that myFICO.com exists or he got denied and forgot that myFICO.com exists 

[Anonymous]

.Good chances at approval but better hope Amex will honor the offer.  Many cases where cardmatch says one thing and Amex says another and then won't  give you the points.

[Anonymous]

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@Anonymous wrote:

.Good chances at approval but better hope Amex will honor the offer.  Many cases where cardmatch says one thing and Amex says another and then won't  give you the points.

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I think it'll be fine if the actual Amex landing page through which the application is done has the offer.