New Amex Member and Application

[Anonymous]

I recently was approved for the Blue Cash Everyday for 10k with Amex. I have a bunch of inquiries as well. I am waiting for the 60 days so I can do the 3x credit limit increase. However, I would like to apply for the platinum charge card as well. If I apply for the charge card does that screw up my 60 days or any interference at all?

Thanks

[SouthJamaica]

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@Anonymous wrote:

I recently was approved for the Blue Cash Everyday for 10k with Amex. I have a bunch of inquiries as well. I am waiting for the 60 days so I can do the 3x credit limit increase. However, I would like to apply for the platinum charge card as well. If I apply for the charge card does that screw up my 60 days or any interference at all?

Thanks

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No it wouldn't interfere with your CLI request

[Anonymous]

My understanding is that it wouldn't - the caveat you have to look out for is that you can only get one CLI across all of your cards every six months, but I'm not sure if opening a new account disqualifies you.

[Anonymous]

Nope... the Platinum application will not interfere with you 3x CLI on your BCE. 

[Anonymous]

Thank you everyone for the advice. I applied and was approved. So excited. The rep told me it wont interfere as well, because they are two different products.

I am just confused about this no preset spending limit. So I put 2-5k per month through my blue cash, and then i want to buy something for 3k on my platinum will i need to call in? I dont want the embarrassment of being declined.

Thoughts?

[Anonymous]

NPSL just means that your transactions will be evaluated and approved/denied on a case-by-case basis rather than say, if you have a $500 limit and charge $501, it will decline. It does NOT mean you have unlimited spending power.

If you are planning a purchase on that card which may be a bit expensive, log-in to your online account and right under where it says "No pre-set spending limit," you can use the "Check spending power" tool to essentially get yourself a pre-approval for that amount. In other words, if you use that tool and say you want to make a $5,000 purchase and it says approved, then any other factors notwithstanding, you will be approved when you go to make that purchase.