New Amex Gold Card App Question (update declined)

[Anonymous]

Last week was approved for Hilton Aspire card which I was pre approved. Currently have the Platnium Card really want the new Gold Card as well. It shows for all the other Amex cards I am pre approved still for them, except for the Charge Cards I’m not pre approved it says extend membership . This happen to anyone else before? I got Platnium card back in May. when I log into my account i get the standard new sign up bonus 20% back up to $100 for Resturant purchase and 25k MR points after 2k spend 250AF . In the incognito mode I got the same 20% back up to $100 for resturant spend but with 50K MR Points after 2k spend annual fee same 250 not waived. Does anyone know if possible that they may use the Same SP that i got approved with for the aspire, if I apply for card when not signed into account, so I get the 50K MR point sign up bonus ?


Applied for gold card with 50k MR point sign up, in incognito mode. Filled out information, came back just straight declined me! It looks like they did use the same SP from my aspire approval. It says in reason for denial Because of my FICO score and The length of time you have been a customer with American Express is too short.

Guess I’ll try back in a month or so

[Anonymous]

I remember reading on here somewhere that SPs for approvals only happen when you are pre-approved. In your case, it’s best to apply expecting a HP. Hope this helps, and good luck!

[Anonymous]

Thanks .. yea if says your pre approved its usually a SP. curious if you apply when your pre approved but apply when not logged into account if still would be a SP?

[Anonymous]

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@Anonymous wrote:
Applied for gold card with 50k MR point sign up, in incognito mode. Filled out information, came back just straight declined me! It looks like they did use the same SP from my aspire approval. It says in reason for denial Because of my FICO score and The length of time you have been a customer with American Express is too short.

I had the same explanation when I app'd for the Hilton too soon after getting my ED card.  Waiting till after my 3x 61 dealio before I app for the Gold card. Just give your Hilton card some time to grow to establish history with Amex and you should be good to go!

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[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
Applied for gold card with 50k MR point sign up, in incognito mode. Filled out information, came back just straight declined me! It looks like they did use the same SP from my aspire approval. It says in reason for denial Because of my FICO score and The length of time you have been a customer with American Express is too short.

I had the same explanation when I app'd for the Hilton too soon after getting my ED card.  Waiting till after my 3x 61 dealio before I app for the Gold card. Just give your Hilton card some time to grow to establish history with Amex and you should be good to go!

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Hi, I got the same reason as well!

How long should I wait for the next application? I got my ED just two months ago in August.

[Felony_Phil]

Personal experience : My 2nd credit card was the BCE for 1k on Jan 20 of this year. Applied for Cash Magnet in July and got the "...not enough time" explanation. App'd for the Hilton Honors on Sept 12 and was approved for 9k. EX8 was 702 with 31% uti.
It might have been because my 2nd Amex card was a co- branded card. It could have been because it was more than 6 months... who knows. When I got the BCE my EX8 was 717 and I only had a Cap1 $500 Platinum that started out at $300.

[PointsBonus]

My suggestion would be to DOWNGRADE to the GOLD and keep the GOLD, why would you want a GOLD and a Platinum ?

[Anonymous]

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@PointsBonus wrote:

My suggestion would be to DOWNGRADE to the GOLD and keep the GOLD, why would you want a GOLD and a Platinum ?

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50k Amex Points is most likely the reason.  I had the Gold and the Platinum at the same time and my wife currently has both. 

[mrperfect5726]

I am sort of a newbie here, but I am curious why get the Gold when you already have the Platinum? I don’t think the sign up bonus is worth paying an additional $250 annual fee along with the Platinum’s fee, but that is just me. The benefits are practically identical, with the Platinum having a few more. I’m just curious. 

[Loquat]

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@mrperfect5726 wrote:

I am sort of a newbie here, but I am curious why get the Gold when you already have the Platinum? I don’t think the sign up bonus is worth paying an additional $250 annual fee along with the Platinum’s fee, but that is just me. The benefits are practically identical, with the Platinum having a few more. I’m just curious. 

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The Platinum only has one bonus category and that's travel.  The new Gold Card offers 4x on dining and grocery where as the Platinum only yields 1x in those very same categories, or all other categories outside of travel for that matter.  The benefits are not the same either...Platinum opens up doors when traveling that don't with the new Gold card or it's predecessor, Premier Rewards Gold.  No Priority Pass, Delta Lounge, or Centurion with the Gold.  No TSA or Global Entry either.   The cards are very different and having one doesn't necessarily negate the other if you're spending enough in said categories that outweigh the annual fees associated with them.