How to get approved for Amex Platinum?

[Anonymous]

I'm just wondering how hard it is to get the Amex Platinum card.

My current scores are EQ 732, TU 735, EX 723. My total limit is $15,900. Oldest is 1 year. Inquiries: EQ 2, TU 3, EX 6.

Newest card is Amex SPG $6000 limit, I just got it last week.

I'm thinking I'd request for 3X CLI after 2 months and if that works out well, my total limit could reach above $25,000. 

My original plan was to upgrade my CSP to CSR when available, and after that apply for the Platinum. 

Today I talked to an Amex rep and he said I could receive an invitation to apply if my relationship with Amex is good in the future.

So now I'm thinking, can I apply for the Platinum after 6 months of having the SPG card? Of course, all payments in full and on time.

Thanks!

[xaximus]

The Amex Platinum card is basically a charge card. With your scores, I think you should be fine with getting it. Give it the 6 months, build on the SPG card and then you can apply for it. The UW for charge cards are less stringent vs. credit cards.

Also - instead of upgrading the CSP to CSR, I would PC the CSP to another card (Freedom, Freedom U, etc.) and then apply for the CSR.

[Anonymous]

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@xaximus wrote:
The Amex Platinum card is basically a charge card. With your scores, I think you should be fine with getting it. Give it the 6 months, build on the SPG card and then you can apply for it. The UW for charge cards are less stringent vs. credit cards.

Also - instead of upgrading the CSP to CSR, I would PC the CSP to another card (Freedom, Freedom U, etc.) and then apply for the CSR.

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Thank you. I just got the bonus for CSP, so I can't really get the bonus from CSR at this point. 

[Cred4All]

I agree w/ xaximus, when I received my Platinum my score was 30-40 lower than yours, however I did have a couple year relationship with Amex at that point.  After 6 months or so I also feel you'd have no issue, unless you choose to jump earlier than that.  Great card!

[Anonymous]

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@Cred4All wrote:

I agree w/ xaximus, when I received my Platinum my score was 30-40 lower than yours, however I did have a couple year relationship with Amex at that point.  After 6 months or so I also feel you'd have no issue, unless you choose to jump earlier than that.  Great card!

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Thanks! I see you have the PNC card, are you from PA too?

[Cred4All]

Enjoying the cold here today yes.  That PNC card is convenient to have in my app for the EQ score, however it has not/will not grow nor can get an increase without a HP.  It's a Sock Drawer Special , but love the bank.

[xaximus]

Fellow East Coasters - NY here, but constantly back and forth between NY and CT.

[Anonymous]

I would agree that building your relationship with Amex is key. The Amex platinum card will come. It appears in my offers constantly when I am logged in to my Amex account. They make it very clear I am pre approved and encourage me to get it. So just log in and occasionally check under the "My Offers" tab on amex.com and when they want you to get it - it will definitely by there. 

[Anonymous]

Good to know! Thanks!

[Sloedough]

Amex is all about relationships, it is why they put the member since on their cards. I got my Platinum card 1 year after I got my Blue Cash card. With your scores, I think it is fair that you can get approved for one of their credit cards. Once you have a relationship started with them, it is fairly easy to get the Platinum.