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Amex platinum approval odds

mbp287
Member

Amex platinum approval odds

Hey all,

 

New to board. I am really interested in applying for the AmEx platinum and was hoping if y'all could give me a little feedback.

 

Back story:

Eq: 615 Tu: 624 Eq: 596 (I know scores are low)

Have a DSNB Amex in Charge-Off (08/2011) shows as "Amex/Dsnb" on report

Also have 3 other CO's with most recent in 2012.

Util: 30%

 

 

Would Amex hold it against me due to that card?

Message 1 of 9
8 REPLIES 8
nikokonto
Frequent Contributor

Re: Amex platinum approval odds

Yes they most likely will turn you away, I have heard they are not friendly towards derogs on accounts, and I think you will have better luck when your scores are over 700.

 

Welcome to the forum Smiley Happy

Starting Scores 8/24/14 FICO TU:507 EQ:500
Scores as of 1/1/2016 FICO TU:633 EQ: 622
Scores as of 1/1/2017 FICO TU:759 EX:693 EQ:694
Scores as of 1/1/2018 FICO TU: 751 EX: 739 EQ: 735
Scores as of 1/1/2019 FICO TU: 786 EX: 801 EQ: 796
Message 2 of 9
mbp287
Member

Re: Amex platinum approval odds

Thanks for the input!

I shouldn't have an issue of being "blacklisted" due to the Amex DSNB card?

Message 3 of 9
salt_water_swimming
Established Contributor

Re: Amex platinum approval odds

That sounds like it's just on the payment network, not a Centurion Banki-issued AmEx. If so, then no, they won't have a record of it beyond your credit report, and will treat it like any other charge off.

I would expect you need at least a 650 for a good chance at an AmEx charge.
Message 4 of 9
billyboyblue
Contributor

Re: Amex platinum approval odds


@mbp287 wrote:

Hey all,

 

New to board. I am really interested in applying for the AmEx platinum and was hoping if y'all could give me a little feedback.

 

Back story:

Eq: 615 Tu: 624 Eq: 596 (I know scores are low)

Have a DSNB Amex in Charge-Off (08/2011) shows as "Amex/Dsnb" on report

Also have 3 other CO's with most recent in 2012.

Util: 30%

 

 

Would Amex hold it against me due to that card?


Not sure about that DSNB (Macys?) card. I know that particular card is not issued by Amex, so I don't think you will be blacklisted, but your scores are too low for Amex right now imo. Really need to be in mid to upper 600s to have a shot at getting in with the charge accounts. That platinum card is a nice card to have for travel purposes, keep in mind though if you do apply down the road and get approved, the $450 AF gets charged right away. Good luck!
Chase Disney Premier: 15.5K, Amex Delta Gold: 18.5K, Discover it: 5.9K
Message 5 of 9
juniornj23
Established Contributor

Re: Amex platinum approval odds

Is that charge off from macys .i will recommend wait 3 moths and try to pay off your debt. 650 will be better but you can check their pre appoved and see the offer they have for you .
Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850


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CARD I want .
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Now back to the garden until 2020
Message 6 of 9
fullstackdev
Frequent Contributor

Re: Amex platinum approval odds

I was recently denied an AMEX Platinum with a 653 EX and a couple of derogs. I have the AMEX PRG and Delta Platinum.
Mar 2017: EQ 733 80 INQ | TU 768 42 INQ | EX 755 80 INQ || AMEX PRG | AMEX BGR | USAA Rewards VS $17K | USAA NAMF AMEX $15K | SECU Visa $10K | Cap1 V1 (AU) $45.75K | AMEX BCE (AU) $10K | Marvel MC $25K | Walmart MC $10K | Freedom $12.2K | USAA Cash Rewards VS $18K | Walmart SC $25K | PENFED CR $9K | AMEX EDP $24K | Banana Republic SC $10K | MECU $10K | Amazon SC $25K | Barclays Apple Rewards $10K | J. Crew $13.6K | Cap1 PlayStation $3K | Cap1 QS1 $2.6K | Business: AMEX Green NPSL | AMEX SimplyCash $2K | AMEX Blue for Business $3K | Cap1 Spark Visa $7.5K | Amazon Rev. $2.5K | Amazon PIF (No PG) $1K | Walmart (No PG) $2.5K | Chase Marriott Business $30K | Chase Ink $14K
Message 7 of 9
mbp287
Member

Re: Amex platinum approval odds

I appreciate all the feedback, thanks!

 

Do you remember what your scores were when you app'd Delta and PRG?

Message 8 of 9
fullstackdev
Frequent Contributor

Re: Amex platinum approval odds

Around the same 650-653 score. Both approved in March with at least 20 inquiries, 1 collection, an unpaid tax lien, and a paid judgement reporting on EX.
Mar 2017: EQ 733 80 INQ | TU 768 42 INQ | EX 755 80 INQ || AMEX PRG | AMEX BGR | USAA Rewards VS $17K | USAA NAMF AMEX $15K | SECU Visa $10K | Cap1 V1 (AU) $45.75K | AMEX BCE (AU) $10K | Marvel MC $25K | Walmart MC $10K | Freedom $12.2K | USAA Cash Rewards VS $18K | Walmart SC $25K | PENFED CR $9K | AMEX EDP $24K | Banana Republic SC $10K | MECU $10K | Amazon SC $25K | Barclays Apple Rewards $10K | J. Crew $13.6K | Cap1 PlayStation $3K | Cap1 QS1 $2.6K | Business: AMEX Green NPSL | AMEX SimplyCash $2K | AMEX Blue for Business $3K | Cap1 Spark Visa $7.5K | Amazon Rev. $2.5K | Amazon PIF (No PG) $1K | Walmart (No PG) $2.5K | Chase Marriott Business $30K | Chase Ink $14K
Message 9 of 9
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