Amex Plat Chances?

Anonymous · ‎07-24-2015

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 · ‎07-24-2015

I think your odds are excellent.

Anonymous · ‎07-24-2015

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

Anonymous · ‎07-24-2015

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 · ‎07-24-2015

@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

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

Anonymous · ‎07-24-2015

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

Anonymous · ‎07-24-2015

Did you app yet?

Anonymous · ‎07-24-2015

@Anonymous wrote:
Did you app yet?

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 · ‎07-24-2015

.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 · ‎07-24-2015

@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.

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