I used the Platinum last year to get Hamilton tix presale through Conceirge and then flip them to cover way more than the annual fee. Other than that, $550 was tough for me to stomach just for a fancy card. It was fun to whip out and fast food employees will always compliment it but after cancelling it about 6-8 months ago, it appears to me that everyone seems to have it on this board. Im inclined to believe it doesnt have any more difficulty than a green card for approval. They just want to collect the $550. I will say, I probably used close to all $200 uBer credits haha.
Starting Score: 475
Not sure if its partly due to the CARD act 1 year thing.. or discover policy but NO APR reductions during the 0% promo period... presume it applies to even new accounts.... Youll be able to ask for an APR reduction then ... And sometimes they auto-decrease the APR even from the "offer APR".. not sure nowadays.. but as soon as my 1 year was up the next statement APR was lower than the approval APR and i chatted about an APR decrease and got it.. (Even though i do realize your trying on your first card... i still think the new second card is the reason why they wont play with it. could try transferring the limit on the first one but its tricky.. read the forums. one of the cards needs to be eligible for a CLI to do the transfer.. but not sure if its donor or recipient)..
@Anonymouswrote:Pre-Application Credit Conditions:
All scores between 735-742
Experian: 10 HP's
Transunion: 8 HP's
Equifax: 3 HP's
AAoA: 13 months
Total Util: 3% Utilising AZEO method
Oldest Account: 25 months
Youngest Account: 4 months
No bad remarks on my credit report
Cards Applied For:
Amex Mercedes Benz Platinum Charge Card:
Approved
No special treatment. First charge card with Amex. I am currently holding two revolvers with them in perfect standing.
I am taking advantage of the 60k points offer before this card is closed and converted into the vanilla platinum starting 2019. Data points suggest that even if I do not close the card and it is rolled into a vanilla version, I am still eligible for signup bonuses should I ever apply for a non-branded version of the card. Should I close the card, I will move my points to my Everyday revolver. Long term plan is to wait for the vanilla platinum to get back to a 100k signup offer.
Discover it Cash Back:
Approved
APR: 13.74% (0% first 14 months)
Credit Limit: $5,000
Ironically this card has a lower APR compared to my previous Discover card, and has a higher limit. I requested that the APR and limit on my first card be matched to my new one, but they were unable to approve either request. Go figure.
Citi AAdvantage Platinum Select World Elite Mastercard:
Denied
Too many recent inquiries
Lack of installment loan history
I took this to mean that they simply did not like how young my credit file is.
Calling recon yielded no change in decision.
Hopefully this helps others looking for datapoints on these cards. Feel free to ask additional questions.
