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New to Credit! AA Platinum Select Approval Odds?

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New to Credit! AA Platinum Select Approval Odds?

Cross-posted from a Reddit post to r/CreditCards. 


  • Current cards:

    • Discover It, $1000 limit, March 2019

    • Deserve Edu, $300 limit, May 2019

    • Apple Card, $1000 limit, August 2019

  • FICO Score: 707 (TU via CK: 697) **Apple Card has not reported to credit bureaus yet**

  • Oldest account age: 6 months

  • Chase 5/24 status: 3/24

  • Income: $15,000 (student)

  • What's the purpose of your next card? Looking to travel and take advantage of a SuB to go free. American Airlines is the only carrier in my small city. I have other travel expenses and a laptop that would sustain the necessary spending to hit the SuB.

My question is: What are my approval odds of getting the Platinum Select card if I applied after my one year of credit history comes next march. I have 0% utilization (I pay off before statements post) and will be gardening until I can get this next card.



Message 1 of 6
Community Leader
Mega Contributor

Re: New to Credit! AA Platinum Select Approval Odds?

If this is a Citibank card, i would think a good chance if you have 1 year history. Having some ccs before hand like your Discover is a positive in my mind. Key is low hp count within last 6 months before applying anything Citi.
#ChaseCreditCardHobby Enthusiast
Message 2 of 6
Senior Contributor

Re: New to Credit! AA Platinum Select Approval Odds?

Have you checked the Citi Pre qual site for offers?

American Express: Platinum Charge, Optima, Business Gold
Barclays: Arrival+ WEMC
Capital One: Savor WMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (1.1.20) EX: 827 / EQ: 838 / TU: 833
Message 3 of 6
Valued Contributor

Re: New to Credit! AA Platinum Select Approval Odds?

Heck, in a year anything can happen! However, I believe you'll have best luck if your score is at least 725 at the time of the app.

So just maintain your current practice of responsible usage. I would also try utilizing AZEO 3-6 months before the app to maximize scoring.


I would also try to coax some CLI's from Dsicover in the meantime. You could likely request around 4 between now and then, unless you prefer AJC's method of every night after 6Smiley TongueM.

Message 4 of 6
New Member

Re: New to Credit! AA Platinum Select Approval Odds?

I wasn't exactly sure how often to request CLIs from Discover. I tried one probably a month back and got declined, but shortly after I got an automatic increase, which was nice and unexpected. I plan on trying one when my statement cuts later this month (which will be "6 months" after opening the card, and 6 months of credit history as well)


I'm not sure I know what you're saying when you mention "AZEO".

Message 5 of 6
Frequent Contributor

Re: New to Credit! AA Platinum Select Approval Odds?

All zero except one - all balances zeroed out except on one card and keep it under 10% preferably under 8.9% as I understand it.

Starting Score: Jan 2011-600TU 598 EQ
Current Score: 795TU 800EQ 772EX
Goal Score: 800 and higher across the board

Take the FICO Fitness Challenge

Avant 750
US Bank plat 7k
US Bank Cash+ 14k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
BB&T Spectrum2 9k
Apple Card 7.5k
Amazon Store Card 6k
NFCU More Rewards 7.8
Home Depot 5k
Cap1 QS 2k

AU Accounts
Discover 4k
JCP 5k
USAA 12.5k
Chase Southwest 7.9k

EQ-16 (11 auto finance inq's)
EX-20 (10 auto finance inq's)
TU-15 ( 5 auto finance inq's)
Message 6 of 6
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