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Amex Platinum Approval

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jmtallguy
Regular Contributor

Amex Platinum Approval

Approved with NPSL (details on why thats relevant coming) and $6000 Pay over Time 

 

So back in 2017 I upgraded my card to Platinum and had an additional card holder on my account. Unfortunately they made a payment that returned and as a result Amex put a $2000 preset limit and over the years, I was never able to get that limit removed. 

I still have the gold card (Downgraded from Platinum) and use its benefits as a daily driver. 

I've wanted to have both the Gold and Platinum for a few years now but was never able to get approved. (Before the Annual Fee Increase)

Yesterday I had the itch to try again, Instead of the usual instant decline. I get a 7-10 message, followed by an email for financials, connected my account but it kept failing. It sent another email to upload a bank statement,which I did. Woke up to: 

Screenshot 2026-09-07 at 7.17.16 PM.png

 

Beyond excited as I have a few trips over the next few months that i can maximize the benfits on! 

Message 1 of 9
8 REPLIES 8
soxfaininfl
Established Contributor

Re: Amex Platinum Approval

Congratulations on your approval! That must be an amazing feeling. 



AU:




Message 2 of 9
Copenix
Frequent Contributor

Re: Amex Platinum Approval

Awesome. Congrats on your approval!!

Building credit in the U.S. since January 2022

Current cards:

Total Credit Limit $120K | Utilization 0.9%

FICO 8s August 2026


Message 3 of 9
cashorcharge
Community Leader
Super Contributor

Re: Amex Platinum Approval

Congratulations on your Approval!!👏🏼🍾🥂

Message 4 of 9
SusanJA
Established Member

Re: Amex Platinum Approval

Congrats! Which benefits are you most excited about?

Message 5 of 9
Thomas_Thumb
Senior Contributor

Re: Amex Platinum Approval

David, congratulations on the new card. 

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 6 of 9
chasingthepoints
Established Member

Re: Amex Platinum Approval

Congrats on the approval! 

Message 7 of 9
dfwxjer
Established Contributor

Re: Amex Platinum Approval


@SusanJA wrote:

Congrats! Which benefits are you most excited about?


Hopefully not the Centurion Lounges lol

 

 

Congrats, OP! Don't forget to activate all the credits and benefits so you can get max value from the card. You still have a few weeks to hit the Q3 credits like Resy, Lululemon, etc and the rest of the calendar year for the FHR, airline and the rest of the annual credits. 

Current active cards:
Amex - Platinum, BCP
BofA - Unlimited Cash Rewards Sig
Chase - CSR, Amazon Prime, United Explorer
Citi - Custom Cash, Costco Visa
TCL - $370k
CC utili - 2%
Experian - 818
Message 8 of 9
Priory_Man
Valued Contributor

Re: Amex Platinum Approval

Congrats on the approval





━━━━━━━━━━━━━━━━━━━━━━━
Total Revolving Credit: $300,000 UTIL: <1%
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Message 9 of 9
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