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AMEX PLATINUM APPROVED (LOW FICO) PREAPPROVED FOR ALL CARDS

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AMEX PLATINUM APPROVED (LOW FICO) PREAPPROVED FOR ALL CARDS

Ok guys,

 

So I posted back in December about Amex approving my Gold charge card with a low fico. Well fast forward to today, I log online and saw that I was PREAPPROVED for the rest of their cards! Prior to getting the Gold charge card, I had the Delta Platinum for 2 years. My fico is still hovering around the 640-50's range due to credit card balances but my mother is expecting a large sum of money soon and I will pay off all my credit card balances and will return back to the upper 700's. (Smile)

 

I called the credit services team to see what my internal spending limit is on the platinum and they informed me I'm allowed to spend 5,000 today. When I called back in December for my Gold card, $9500 was able to be pushed through instantly. So confused about that but nonetheless, I guess AMEX loves me even with my low fico!

 

Oh, and I have no negatives, late payments, charges off, etc.  I have a clean file - just credit card debt is holding my score down. BUT It still didn't matter to AMEX since I was PREAPPROVED for the rest of their cards. 

 

Just wanted to share my story for people who have LOW FICOS also! Don't think you need to have a particular high credit score. It seem if you build a good relationship with AMEX, even with low ficos they will be GOOD to you! I'm forever indebted to AMEX! 

Message 1 of 8
7 REPLIES 7
Valued Contributor

Re: AMEX PLATINUM APPROVED (LOW FICO) PREAPPROVED FOR ALL CARDS

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS  on your Approval and Thanks for the DPs!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | Apple Card WEMC $6K | NFCU cashRewards $3K | NFCU More Rewards AMEX $25K
Macy's AMEX $1K | PenFed Power Cash Rewards VS $7,500

TCL - $165K+ | Rebuilding since April 2018
Message 2 of 8
Super Contributor

Re: AMEX PLATINUM APPROVED (LOW FICO) PREAPPROVED FOR ALL CARDS

Congrats! on that and also the effort to show a positive Amex relationship with them despite low scores. (ThumbsUp)

 

Better things ahead!

Message 3 of 8
Contributor

Re: AMEX PLATINUM APPROVED (LOW FICO) PREAPPROVED FOR ALL CARDS


@Marz2002 wrote:

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS  on your Approval and Thanks for the DPs!!!


Thank you so much! 

Message 4 of 8
Contributor

Re: AMEX PLATINUM APPROVED (LOW FICO) PREAPPROVED FOR ALL CARDS


@CreditMagic7 wrote:

Congrats! on that and also the effort to show a positive Amex relationship with them despite low scores. (ThumbsUp)

 

Better things ahead!


Thank you very much! You are right about that! 

Message 5 of 8
Valued Contributor

Re: AMEX PLATINUM APPROVED (LOW FICO) PREAPPROVED FOR ALL CARDS

Congrats on your Amex Platinum approval! Yeah, I have pre-approval for all Amex cards as well with 11 month relationship and EX FICO score of 644. Amex is all about relationship. Smiley Very Happy

Currently: Gardening since 12/29/2019


Message 6 of 8
Contributor

Re: AMEX PLATINUM APPROVED (LOW FICO) PREAPPROVED FOR ALL CARDS


@Steve891 wrote:

Congrats on your Amex Platinum approval! Yeah, I have pre-approval for all Amex cards as well with 11 month relationship and EX FICO score of 644. Amex is all about relationship. Smiley Very Happy


Wow that's great to hear! This why I have made Amex my daily cards and will continue to do so going forward Smiley Happy))

Message 7 of 8
Community Leader
Valued Contributor

Re: AMEX PLATINUM APPROVED (LOW FICO) PREAPPROVED FOR ALL CARDS

Congrats! Nice “limit”!

Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
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Once you go Berner, you never go back.
Message 8 of 8
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