Amex Platinum Denial... Strongly Disagree

Anonymous · ‎07-20-2018

So I decided to apply for the Amex Platinum card. I figued I have short (3 months) but good history with Amex. I use my card a lot, ALWAYS pay in full, pay early, pay multiple times a month, etc... My fico score is 737. Idk why Amex wouldnt approve me for this card. I always heard that charge cards were easier to get as well. Just wanted to vent here. Im very frustrated.

Anonymous · ‎07-20-2018

Also, amex card limit is 3k on my Delta God Skymiles card.

Anonymous · ‎07-20-2018

@Anonymous wrote:
Also, amex card limit is 3k on my Delta God Skymiles card.

Did you check for pre-approval while signed in before applying?

Anonymous · ‎07-20-2018

@Anonymous wrote:
So I decided to apply for the Amex Platinum card. I figued I have short (3 months) but good history with Amex. I use my card a lot, ALWAYS pay in full, pay early, pay multiple times a month, etc... My fico score is 737. Idk why Amex wouldnt approve me for this card. I always heard that charge cards were easier to get as well. Just wanted to vent here. Im very frustrated.

I was in that same boat when i started with Amex as well. Altho my score wasnt as high as yours, and still isnt. I was told charge cards are easier to get and credit is harder. I got a Delta and SPG at 635. No on a charge card. Then i got BCE/ED same day, and no on a charge card with a 672. Now when i go into cards and offers, i have a pre-approval for it. Dont want it LOL It is frustrating for sure.

Check the pre-approvals first and when you click apply now, it will say you are pre-approved at the top. If it says expand your membership, then its just like any other apping cold. Hope that helps.

Anonymous · ‎07-20-2018

Op, sorry if I missed it....what was the reason for your denial?

FinStar · ‎07-21-2018

OP, there was plenty of advice floating around on several of your AMEX threads as provided by several forum members not long ago to hold off given your thin profile.

Unfortunately, you pulled the trigger too early and the denial reasons should provide some context on what you need to do to improve your chances next time.

coldfusion · ‎07-21-2018

@FinStar wrote:
OP, there was plenty of advice floating around on several of your AMEX threads as provided by several forum members not long ago to hold off given your thin profile.

Unfortunately, you pulled the trigger too early and the denial reasons should provide some context on what you need to do to improve your chances next time.

"Learn from the mistakes of others. You can't live long enough to make them all yourself" -- Eleanor Roosevelt

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kdm31091 · ‎07-21-2018

3 months is really nothing in terms of credit history. Just have to be patient and let things age, build your history and try again later.

Anonymous · ‎07-21-2018

@Anonymous wrote:
So I decided to apply for the Amex Platinum card. I figued I have short (3 months) but good history with Amex. I use my card a lot, ALWAYS pay in full, pay early, pay multiple times a month, etc... My fico score is 737. Idk why Amex wouldnt approve me for this card. I always heard that charge cards were easier to get as well. Just wanted to vent here. Im very frustrated.

Is your income low? I got approved for the Platinum with a score in the 690's and had just gotten an Amex PRG and Amex BCE 2 months ealier. My BCE only came with a 1k limit. Not sure why they wouldn' approve you. Apply again in 6 months.