Prequalified for Amex Platinum - 14 days

[Anonymous]

How solid are these prequals? 680-700 FICOS. BK7 a little over 5 years ago.

[pizzadude]

No preapproval is 100% but I think with Amex it's a good sign that you have decent odds of approval.  

You didn't previously burn Amex in your BK, correct?   If so then your odds are substantially lower.  

[Anonymous]

Never burned Amex, in fact, had lots of high limit AU accounts with them.

[pizzadude]

That's good, and you're over 5 yrs post-BK so those are both positives.  You might be good, but ultimately it'll depend on your overall profile, income, and whatever other ingredients make up Amex's underwriting secret sauce 

[coldfusion]

You never burned AMEX so the prequal is valid, although a followon approval is not a sure thing, as long as you're more than 61 months post-BK.

[jcooks]

I would also recommend going with the Resy Amex offer.  It's the same card except it gives 15x on all dining for 6 months.  

[CerebralZulu]

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@jcooks wrote:

I would also recommend going with the Resy Amex offer.  It's the same card except it gives 15x on all dining for 6 months.  

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@jcooks ,or anyone, what is the Resy offer?

[FinStar]

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@CerebralZulu wrote:

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@jcooks wrote:

I would also recommend going with the Resy Amex offer.  It's the same card except it gives 15x on all dining for 6 months.  

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@jcooks ,or anyone, what is the Resy offer?

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https://resy.com/amex-offers

[Anonymous]

I was prequalified for the Platinum and BCE on their website and put in my current income. I started this job last year and hadn't done much since 2018. I think my last tax return only has 20K income reporting, but my current income is 104K. I attached three months worth of bank statements along with the tax form and they said they absolutely do no consider bank statements and go off taxes.

The last year I filed was 2019 which doesn't show my current income. Has anyone ran into this? Don't want to get denied due to them considering income from three years ago and I filed my taxes this year, but they aren't available to Amex or anyone until August. I swear there had a form that accepted three months of bank statements and would even call your bank with you on the phone.

Younger people with a new job, how the heck did you get approved for Amex without any really good tax years? (i.e. just graduated from college with a 100K job now). This makes ZERO sense for them to be considering 2019 income and not including bank statements into this. Maybe it's just a formality?

[Brian_Earl_Spilner]

I've never had to provide IV or tax forms. Even when I got my first gold at 19 with my sub-poverty military income.