Amex platinum approval

Manicete · ‎12-11-2023

So I'm so excited to share I have been approved for the Amex platinum after checking the pre-approval for 4 weeks straight with no offers. Surprisely, this time it did say I have been pre-approved. Hesitant to apply, with just in full disbelief I went on after reading "will not affect your credit score unless accepted"

I then fully applied and I got approved!!! This is actually my first major credit card I'd say.

profile

tu-695

eq-714

ex-713

under 10% utilization

5 inquiries in the last year.

7 cards total all around 500 or less other than my USAA Amex rewards which is at 2000.

now my question is.... is there any chance that I can still get denied? Like an error in the system. I'm in so much disbelief that I'm thinking it's an error? I'm also thinking this because I tried to get my card numbers and it said something along the lines of they can't email me or there's an error with emailing my card numbers

****UPDATE

So I guess everything did go through correctly. I was able to create my account and log in.

now my next question. Should I try for the gold as I do know these cards work very well hand in hand together.

mgood · ‎12-11-2023

Congratulations!

Looks like you're in. I wouldn't worry too much about not being able to get the number now. It's probably exactly what they said, a system error of some kind. I highly doubt they're going to tell you the approval was an error.

$18,000 Chase Sapphire Preferred Visa Signature 01/23

$17,000 Chase Freedom Flex World Elite Mastercard 05/21

$12,000 Chase Prime Rewards Visa Signature 05/23

$17,500 PenFed Power Cash Rewards Visa Signature 01/21

$15,000 PenFed Platinum Rewards Visa Signature 01/21

$17,400 Citi Custom Cash World Elite Mastercard 07/22

$9,900 Citi Rewards+ World Mastercard 11/24

$25,000 FNBO Evergreen Rewards Visa Signature 01/22

$22,000 Wells Fargo Autograph Visa Signature 10/21

$10,000 US Bank Cash+ Visa Signature 03/23

$7,000 US Bank Cash+ Visa Signature 12/23

$5,850 Capital One Savor World Elite Mastercard 11/15

$4,300 Capital One Cabela's World Mastercard 10/15

$9,000 American Express Blue Cash Preferred 04/24

$8,500 Imprint Eddie Bauer World Mastercard 11/24

EQ8 763, TU8 757, EX8 766 as of March 6

AZE12 - 6% Utl - New Cards: 2/6, 3/12, 7/24

Manicete · ‎12-11-2023

@mgood wrote:
Congratulations!
Looks like you're in. I wouldn't worry too much about not being able to get the number now. It's probably exactly what they said, a system error of some kind. I highly doubt they're going to tell you the approval was an error.

Awesome thanks. Just tried for the gold but didn't get pre approved.

ill keep the thread posted.

markbeiser · ‎12-11-2023

"now my next question. Should I try for the gold as I do know these cards work very well hand in hand together."

Only if you can make use of the various credits to justify having both a $695 and a $250 annual fee charge cards, and anticipate lots of travel, dining, riding Ubers, etc..

Back to gardening until Late February 2026.

Current FICO8:

Noneed2nv · ‎12-12-2023

@markbeiser wrote:
"now my next question. Should I try for the gold as I do know these cards work very well hand in hand together."

Only if you can make use of the various credits to justify having both a $695 and a $250 annual fee charge cards, and anticipate lots of travel, dining, riding Ubers, etc..

Congratulations. It can be a great card with the proper spend. I also agree with @markbeiser. The Platinum $695 AF definitely warrants usage to justify that fee. Also, do you have spend qualifiers to attain for a points signup bonus? I would focus your spend on that before going for another AMEX card.

BigBS · ‎12-12-2023

Congrats on the approval!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

alextercero · ‎12-12-2023

Congrats on your Approval!

Current Credit Cards

NFCU More Rewards | CL $4500 | APR 15.40% | 08/2021

Capital One Quicksilver One | CL $6600 | APR 31.74% | 09/2021

Capital One Quicksilver | CL $5500 | APR 31.74% | 02/2022

NFCU Cash Rewards | CL $4500 | APR 15.40% | 06/2022

Goldman Sack Apple Card | CL $6400 | APR 23.74% | 02/2024

NFCU Go Rewards | CL $33000 | APR 13.74% | 03/2024

CITI Bank Custom Cash | CL $3900 | APR 29.74% | 08/2024

Discover it | CL $3000 | APR 29.74% | 11/2024

CITI Bank Rewards+ | CL $5200 | APR 29.74% | 12/2024

Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (December 2024)

Credit Age:

Inquiries:

M_Smart007 · ‎12-12-2023

Congratulations on your Approval 🎉

Manicete · ‎12-12-2023

@Noneed2nv wrote:
@markbeiser wrote:
"now my next question. Should I try for the gold as I do know these cards work very well hand in hand together."

Only if you can make use of the various credits to justify having both a $695 and a $250 annual fee charge cards, and anticipate lots of travel, dining, riding Ubers, etc..
Congratulations. It can be a great card with the proper spend. I also agree with @markbeiser. The Platinum $695 AF definitely warrants usage to justify that fee. Also, do you have spend qualifiers to attain for a points signup bonus? I would focus your spend on that before going for another AMEX card.

I travel for work once a month so I needed a dedicated travel card.

And the signup bonus was something like $6000 spend in 6 months for 80,000 point or something like that. Which won't be difficult to do.