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Approved for Amex Platinum!!!?? Stilllll declined for NFCU secured graduation

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SN1209
Valued Member

Approved for Amex Platinum!!!?? Stilllll declined for NFCU secured graduation

Title says it all haha. I was on the Experian site browsing my info, and saw the "you may qualify for" list and noticed for the first time it had a few Amex cards. They're not even a remote possibility in my mind for the last couple years as I've rebuilt. So I headed to the Amex page directly and did the prequal tool and sure enough, every card was listed. I've been burned by NFCU with this tool before, but I have an inquiry or two to spare so I said let's see what we get. Swing for the fences and click the Platinum app, with the highest SUB for points and within 30 seconds of applying I get these magical words" SN, you're approved! Would you like your card number now?" 

Ok. Like, seriously is this a joke?! No joke. Went through the entire process of getting the app, researching Amex peculiarities etc and waiting the entire time for someone to call me and say, yeah just kidding. 

And, as the title and my other posts note: still can't unsecure my Navy card, 20 months later. What a world.

Message 1 of 15
14 REPLIES 14
Ghost_host999
Contributor

Re: Approved for Amex Platinum!!!?? Stilllll declined for NFCU secured graduation

Congratulations on your shiny new Amex Platinum! So exciting!! Smiley Happy


Starting FICO 8 Score (May 2020) : EQ-535, TU-550, EX-542
Current FICO 8 Score (May 2022) : EQ-718, TU-730, EX-724
Goal Scores: EQ-750, TU-750, EX-750



~USAA Secured American Express $3300~ ~NFCU Cash Rewards $6300~ ~Delta Skymiles Reserve Amex $8000~
~Venmo Visa Signature $8300~ ~Amazon Store Card $2800~ ~Care Credit $5500~
~Capital One Venture One $5000~ ~All Rewards $1000~
~GS Apple Card $3500~ ~Discover It Miles $5000~
~FNBO Evergreen $7800~ ~X1 Card $11,200~ ~Upgrade Triple Cash Rewards $25,000~
Message 2 of 15
M_Smart007
Legendary Contributor

Re: Approved for Amex Platinum!!!?? Stilllll declined for NFCU secured graduation

Congrats on your Approval.

If you want an unsecured NFCU card, you would probably have to apply directly for one.

Message 3 of 15
SN1209
Valued Member

Re: Approved for Amex Platinum!!!?? Stilllll declined for NFCU secured graduation

I've done that before as well, when all their cards showed as available,  but I was declined. Really can't figure them out. They've been amazing otherwise 

Message 4 of 15
gdale6
Moderator Emeritus

Re: Approved for Amex Platinum!!!?? Stilllll declined for NFCU secured graduation

Grats on your Amex Platinum approval Smiley Happy

Message 5 of 15
Ilinferno
Established Contributor

Re: Approved for Amex Platinum!!!?? Stilllll declined for NFCU secured graduation

Congrats on your new Amex Platinum!

Message 6 of 15
coreyb80
Super Contributor

Re: Approved for Amex Platinum!!!?? Stilllll declined for NFCU secured graduation

Congrats on the approval!

Message 7 of 15
CreditAggie
Community Leader
Super Contributor

Re: Approved for Amex Platinum!!!?? Stilllll declined for NFCU secured graduation

Congratulations on your Amex Platinum approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (April 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 8 of 15

Re: Approved for Amex Platinum!!!?? Stilllll declined for NFCU secured graduation

Congrats on the Amex. I'm done applying for a while but thinking Amex may be on the list of my goal cards now.





Message 9 of 15
cashorcharge
Community Leader
Super Contributor

Re: Approved for Amex Platinum!!!?? Stilllll declined for NFCU secured graduation

That's terrific!!  Congratulations on your AMEX Approval!! 🎉🥂👏

Message 10 of 15
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