@TexasKaren wrote:I'd like to get an American Express Platinum charge card. I checked the Cardmatch Tool and it did NOT show up as one of my preapproved choices. I went to the Amex site, but didn't see anywhere to find out what I'm preapproved for, just a list of cards with buttons to click to apply.
Current credit score 765. Debt Free. Three new cards in two years (3/24). My score will go up in nine days once a balance that I paid off last month hits my credit report, I'm just not sure by how much. The credit report shows 11% utilization, when reality is more like 1%, and again, that should update on the credit report by the 26th.
The current offer for the Amex Platinum is 60,000 points. I know people have recently received offers to get 100,000 points. Any idea what credit score might be necessary for this to show up as an offer for me? I'm trying to decide if I should just apply now and take the 60,000 points, or if being patient (I'm NOT a patient person) might reward me with another 40,000 points. Since it's not showing up as a preapproval on Cardmatch, I don't even know if they'll let me have one.
Amex has a tool to show if you're pre-qualified for their cards: https://www.americanexpress.com/us/credit-cards/check-for-offers/
There's a huge difference between pre-approval and pre-qualification but you seem to be mixing up these terms. CardMatch is a third-party marketing tool (owned by creditcards.com) and offers don't always show up there; your best bet is to inquire directly with American Express.
The 100,000 Membership Rewards points offer is a directly targeted offer from Amex's marketing department to certain individuals and occasionally shows up on CardMatch.com. The offer is not contingent on your credit scores. You can routinely get a 75,000 MR offer by viewing Amex's website in Incognito Mode and clicking on the Platinum card link: https://www.americanexpress.com/us/credit-cards/card/platinum/
Thank you. Yes, 765 is my Experian score as shown on the Amex page. I currently have a gold Delta Amex, that I've had for donkey's years 
I'll try the incognito method. I'd be happy w 75,000 points. I'm traveling internationally next month and really want lounge access as I'll have lots of airport time.
I'll have to unfreeze Experian before applying I suppose. Transunion is so much easier because I have credit monitoring through them. The other two are always a bit of a pain to unfreeze.
@TexasKaren wrote:Thank you. Yes, 765 is my Experian score as shown on the Amex page. I currently have a gold Delta Amex, that I've had for donkey's years
I'll try the incognito method. I'd be happy w 75,000 points. I'm traveling internationally next month and really want lounge access as I'll have lots of airport time.
I'll have to unfreeze Experian before applying I suppose. Transunion is so much easier because I have credit monitoring through them. The other two are always a bit of a pain to unfreeze.
Helpful info... it's a 50/50 need to unfreeze since you already have an account and it's a SP approval anyway... I'd just go incognito and apply for the 75K it's a 15K bump off the public offer and it's not usually worth chasing your tail on the 100K.
OMG. Thanks guys!
Now I just have to spend $5K in the next three months. Shouldn't be difficult with a trip to Europe next month, and new furniture to buy soon as well.
I'm actually a bit surprised how quick and easy that was. The last couple applications (for Discover, and a Chase card), I had to wait, and/or call the reconsideration line before getting approved.
