Amex Platinum Approval!!!

twilliam1313 · ‎05-29-2024

Applied to Amex for the platinum card last Friday after getting the 150k sign up bonus offer and got the "Thanks, we received your application, but we can't give you a decision right now message.

Woke up this morning with the approval email and accepted the card. They didn't ask for any additional information or anything.

current data points

Experian fico 8- 680

15% Utilization Total

cap1 QS- $147/400

cap1 plat- $48/200

creditone wander- $216/550

creditone platinum- $60/550

first premier bank- $8/500

mission lane- $200/1100

milestone- $111/700

usaa -$0/300

student loans $39,924 all current

8 inquiries including Amex

baddies

Merrick Bank - paid charge off

Cap 1 Auto- 7 late payments from 2022-2023

flagship auto- charge off repo $15,133 12/2019

Gross income: $140,000+

Capital One Savor: $500 8/24
USAA Rate Advantage: $5000 8/24
NFCU Cash Rewards Plus: $10,400 8/24
AMEX Platinum 5/24
NFCU Cash Rewards Plus:$2000 4/24
Credit One Wander: $500 4/24
Capital One Quicksilver: $1000 1/24
First Premier: $1000 12/23
Tbom/Milestone: $700 4/23
Capital One Platinum: $500 3/23
Credit One Platinum: $550 1/23
Missionlane: $1100 9/22
USAA Platinum Rewards: $1800 11/12

AZEO- NFCU Cash Rewards Plus

Rdbeetle · ‎05-29-2024

Congrats on your AMEX approval!

SchoolsFirst FCU Rewards WMC $25k
US Bank Cash+ $15k
AMEX BCP $10k
AMEX BCE $1k
FICO 8 Scores: EQ 809 I EX 793 I TU 801

FlaDude · ‎05-29-2024

Congrats on the new Plat card!

Scores: March 21 FICO 8: EX 810, TU 808, EQ 813
AoOA: closed: 36 years, open: 25 years; AAoA: 11.8 years
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Chase car loan (35k/6yrs 0.9%)

pizzadude · ‎05-29-2024

Congrats on the AMEX Platinum approval ! What's the minimum spend requirement for the 150K MR points ?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

twilliam1313 · ‎05-29-2024

$8k in 6 months to receive the sign up bonus

Capital One Savor: $500 8/24
USAA Rate Advantage: $5000 8/24
NFCU Cash Rewards Plus: $10,400 8/24
AMEX Platinum 5/24
NFCU Cash Rewards Plus:$2000 4/24
Credit One Wander: $500 4/24
Capital One Quicksilver: $1000 1/24
First Premier: $1000 12/23
Tbom/Milestone: $700 4/23
Capital One Platinum: $500 3/23
Credit One Platinum: $550 1/23
Missionlane: $1100 9/22
USAA Platinum Rewards: $1800 11/12

AZEO- NFCU Cash Rewards Plus

SouthJamaica · ‎05-29-2024

Congratulations on your approval

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 25k

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

SEG-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 586020 (520820 reporting) FICO 8: EQ 694 TU 696 EX 683

JoeRockhead · ‎05-29-2024

Very nice, congratulations on your Platinum approval!

NoMoreDebt · ‎05-29-2024

Congrats

AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX CHARLES SCHWAB INVESTOR CARD $25,000 CL/ AMEX MORGAN STANLEY BLUE CASH $5K CL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $5000 CL/AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $18,000 / FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ PAYPAL CREDIT LINE $1700/NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

CreditAggie · ‎05-29-2024

Congratulations on your Amex Platinum approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2024):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

Snook_on_the_Line · ‎05-29-2024

Congrats on getting in with Amex.

Nice sub too

did You get a decent POT limit?

5% Gas: Citi Custom Cash 9.4k
5% Amazon: Chase Prime VS 15k
3% grocery and streaming: Cap1 Savor 2500
2% catch all: NFCU CashRewards+ 5k, USB Smartly 2k
Sock Drawer: Jovia Elite 25k, Suncoast CU 20k, Lowe’s 35k,
Barclays AAdvantage Aviator Red 3k, CreditOne 1k

^^^Fico8 scores as of Dec ‘24

SUBs collected in past year: $1100
SUBs pending: $400

Total Revolving CL: $118,900