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American Express

Baltimore-Bully
New Member

American Express

Well low and behold, I was surely surprised by what I pulled off. Trust me I'm not complaining what so ever. So I end up applying for the AMEX Platinum only to be approved. After reviewing all the perks involved and reading different blogs I said to myself, " I wonder what would happen if I applied for the AMEX Gold ". So two days after getting approved for the Plat I pulled the trigger on the AMEX GOLD and Waaaa Laaaa I was approved again...So the question is has anyone attempted this before in such short period of time....?
Message 1 of 28
27 REPLIES 27
SouthJamaica
Super Contributor

Re: American Express


@Baltimore-Bully wrote:
Well low and behold, I was surely surprised by what I pulled off. Trust me I'm not complaining what so ever. So I end up applying for the AMEX Platinum only to be approved. After reviewing all the perks involved and reading different blogs I said to myself, " I wonder what would happen if I applied for the AMEX Gold ". So two days after getting approved for the Plat I pulled the trigger on the AMEX GOLD and Waaaa Laaaa I was approved again...So the question is has anyone attempted this before in such short period of time....?

I think Amex is glad to get the $800 in annual fees they just made on this.


Total revolving limits 653000 (575000 reporting) FICO 8: EQ 716 TU 747 EX 715

Message 2 of 28
Baltimore-Bully
New Member

Re: American Express

But the perks along for both cards off set the annual fee..
Message 3 of 28
AverageJoesCredit
Community Leader
Mega Contributor

Re: American Express

Yes it has been done. If you can use all the perks, enjoySmiley Happy
NN7! Fico math 1 HP = 20 CG LIEr Club Plankowner
Message 4 of 28
RobertJ
Established Contributor

Re: American Express

I got my two AMEX cards within a little over a month apart.  They did give me a really low starting CL on the 2nd one though.  Congrats on two really great cards.



Message 5 of 28
BrutalBodyShots
Super Contributor

Re: American Express


@Baltimore-Bully wrote:
But the perks along for both cards off set the annual fee..

If they're fully utilized, you're correct.  Amex I'm sure is happy with those that don't end up using them.

Message 6 of 28
Baltimore-Bully
New Member

Re: American Express

Rob, were you approved for the Platinum and Gold ?
Message 7 of 28
SouthJamaica
Super Contributor

Re: American Express


@Baltimore-Bully wrote:
But the perks along for both cards off set the annual fee..

Yes. If you use them.

 

In my experience you need to be a frequent traveler to get the benefits of having the platinum card.

 

The gold card is a little more complicated. You can kind of break even with it if you're not a frequent traveler, but it's probably not a great investment unless you really have use for their mileage reward points.


Total revolving limits 653000 (575000 reporting) FICO 8: EQ 716 TU 747 EX 715

Message 8 of 28
RobertJ
Established Contributor

Re: American Express

Hover over my cards to see what ones.  I was approved for Delta Skymiles Gold and Hilton Ascend.



Message 9 of 28
SouthJamaica
Super Contributor

Re: American Express


@Baltimore-Bully wrote:
But the perks along for both cards off set the annual fee..

Here's a question I have for you, and for many other folks who get these cards with big annual fees. And it's even a question I ask myself.

 

Why get a card at all if all you're going to do with it is get enough benefit from it to offset the annual fee?  Why not just skip it and get a no-fee or low-fee card, which just gives you benefits?


Total revolving limits 653000 (575000 reporting) FICO 8: EQ 716 TU 747 EX 715

Message 10 of 28
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