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Posting in case there are any datapoints that matter for the community. Experian - 743, but young file, many inquiries. I have a positive but short (~6 month) history with Amex. I had been waiting until inquiries age off in 2021 to get a CSR. When the CSR AF recently went up, I decided Platinum made more sense for me. I did not have a preapproval, but I applied via Corporate Advantage Program anyway and was (to my mild surprise) denied. Today, I noticed that I did have a preapproval, so I applied again via CAP and was approved. Come to think of it, I got my first Amex card on July 17, so maybe going a day over 6 months made the difference. Don't mind having to apply twice since the denial was SP. So far, the approval also seems to be SP, but that may change.
Via CAP, I get a $150 annual statement credit for Platinum and a $100 annual statement credit for Gold, so it's like I pay normal price for Platinum and also get Gold for no AF. The Platinum SUB is the normal 60k one, though, not the coveted 100k. I decided not to wait for it, as I want my stuff to age together to the extent possible.
I am planning to downgrade my Hilton card after the AF hits again. The only other thing I want to do as far as credit cards is get Ducks Unlimited when most of my inquiries are more than a year old. And of course, increase my CLs.
Congrats on your approval!
Congrats on your Amex Platinum approval! Enjoy the travel perks!
Congrats!
congrats on the approval!!
i also have the amex corporate card since '15 but do not have an amex personal.
logged into my corporate account and there was a pop up for personal amex deal. (platinum, gold, blue cash preferred)
debating on whether to apply or not.
your score seems better than mine and you got denied so i will probably not apply for any as i dont want any dings to the report.
Don't be fooled by my score. It is a paper tiger. I have heavy credit-seeking and over 15 inquiries per report that are all under a year old. I've seen quite a few other people get Gold Cards, which I assume have basically the same underwriting, with scores in the mid-600s.
You may know this already, but the score they focus on is Experian. Good luck if you do apply!
thanks for the tip!
might just wait for my next report update.
expecting score to go up a bit since it'll be adding new discover it credit line and utilization should be droppping.