Appreciate the great advice all, excellent help as always. So, that leads me to want to confirm something... Being I was signed in, and the pre-approval was a SP, am I correct then in saying that once the Platinum was approved it will indeed show a HP in another month or two?
If that is the case and it's not just staying a SP, then yes... I do need to determine what revolver to add as I already have the EDC card. Being the Platinum gives you mid tier status in both Hilton and Marriott, it's a tough call for which hotel card would be needed... although as @AllThingsInTime stated, the SPG has a waived fee and I believe 75,000 additional SUB over the Hilton card right now with a waived fee (Although you can only get 1 card bonus if I read correctly on other threads so that point is mute.) Decisions. That would mean that if it takes Amex 2 months to most likely report the HP, I would want to App for the CSR in September to be sure I'm below the 5/24 and then plant myself in the garden for 2 years of growing.
@Anonymous wrote:
Congrats on the approval!
If you do opt for the CSR, wait until your utilization drops to 7% for optimal SL. The Amex will likely take 2 months to report so you could go for another Amex revolver, if you wanted (likely a SP) without necessarily hurting your Chase chances (during the time it takes to report). But when they do, you’ll be 5/24 or 6/24 (depending on whether you counted the Platinum), so make it count.
Definitely planning this one out at the moment, as I hadn't considered that the initial SP for the Platinum (And as a current Amex holder) would result in a HP thus bumping to the 3/24 up to 4/24 already, and if I opt for a Revolver addition since there probably is that HP for the platinum, then yes, within 2 months I can see that'd be 5/24.
Thanks for the great 411 on that. Yes I was logged into my account and checked the qualified offers, hence was pre-approved so I considered the Charge a SP. That being said, I probably don't need to push the 2 for 1 and risk a HP for a revolver necessarily, nor add a 3rd Amex and bumping my new account limit too high. Either way, a SP from Amex is a beautiful thing, again appreciate the knowledge you all shared!
@Anonymous wrote:Looks like we both replied at 8:03. My count was referring to potential new accounts if OP went for more Amex revolvers, not inquiries.
Apologies, if that was confusing.
My comment referred to the OP's statement about 3/24 increasing to 4/24 hard pulls (see highlighted comment); no on anything you said.
Also, I'm skeptical about the claim that Amex uses a single hard pull for 30 days. I've been an Amex member since 1995 and when I reactivated my membership last year I got two hard pulls after reapplying for two cards within days of each other.
@Anonymous wrote:
@Anonymous wrote:Looks like we both replied at 8:03. My count was referring to potential new accounts if OP went for more Amex revolvers, not inquiries.
Apologies, if that was confusing.
My comment referred to the OP's statement about 3/24 increasing to 4/24 hard pulls (see highlighted comment); no on anything you said.
Also, I'm skeptical about the claim that Amex uses a single hard pull for 30 days. I've been an Amex member since 1995 and when I reactivated my membership last year I got two hard pulls after reapplying for two cards within days of each other.
I’m in agreement. I believe if the applications aren’t done on the same day, it’ll result in another HP. I’ve never heard of or read that a HP for a new applicant lasts for 30 days. It’s typically same day or like you said, it’s another fresh pull.