You can check every day if you like... You should also keep in mind that if you're already an Amex card holder, the SP they pull will likely be older data by 1 to 2 months in the past.
@JenW83 wrote:Thank you for this! I was confused because I AM a current Amex Delta card member. I wasn't sure if it was really a "preapproval" tool, or if it would allow you to know if you're approved without affecting your credit score. (Aka it's still an application)
I've been waiting for my only old collection to fall off my report (as of the end of Jan) before applying, thinking it would help my chances.
Others have mentioned that a 670 credit score (hopefully will be 700+ after this old baddie falls off) and 4 years of good history with Amex would probably be enough to be approved for the Platinum card.@JoeRockhead wrote:You can check every day if you like... You should also keep in mind that if you're already an Amex card holder, the SP they pull will likely be older data by 1 to 2 months in the past.
I've seen plenty of people with high 600 scores get approved so I don't think you'll have a problem there, especially being you have a positve relationship with them already. However, waiting for the derogatory to come off your reports and the score boost you'll likely get would be the smart move.