Approved for Amex Platinum.

Lvmont · ‎10-16-2022

After years of working on my credit. I was finally approved for my dream card Amex Platinum card this morning. Credit score 780 ~ 15% Utilization. They did a HP on Experian and TU. I had to call to verify my identity because I just moved so my new address wasn't on my CR yet. What is their rule on biz cards? Does the 1/5 and 2/90 apply for biz cards? Would I be able to apply for biz cards same day or I have to wait?

Stealth-1 · ‎10-16-2022

Congrats on getting your dream card! 🥂 You could apply for the business card the same day...but you're new to AMEX so the system might process it as a non-AMEX cardholder application and do another HP. It's better to wait for your "express shipped" Platinum card to arrive first and then enroll your card and user account profile into the AMEX system. After that, log into AMEX and apply for the business card...then it should most likely be a SP. Or just wait to apply for it after building your relationship with AMEX.

Navy Federal Cash Rewards Signature Visa: $30,000

Navy Federal Flagship Rewards Signature Visa: $25,000

Navy Federal More Rewards American Express: $25,000

Synchrony Premiere World Mastercard: $18,000

American Express Blue Cash Preferred: $5,000

American Express Blue Cash Everyday: $30,000

Navy Federal Checking Line of Credit: $15,000

Bank of America Cash Rewards World Mastercard: $35,000

Wells Fargo Rewards Signature Visa: $17,500

"If you don't stand for something, you might fall for anything."

FicoComeback2018 · ‎10-16-2022

Congratulations on your Amex Platinum card!

babygirl1256 · ‎10-17-2022

Congrats on your Amex Platinum approval.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850

BronzeTrader · ‎10-17-2022

It depends on your relationship with AmEx. I just do not think it is helpful to apply for another AmEx card on the same day.

MySunrise271 · ‎10-17-2022

Congratulations on your Amex Platinum approval🎉🎉🎉

Credit Cards

Brokerage and Credit Unions

jamerican-girl · ‎10-17-2022

Congrats on the approval!

Keepers:
Wells Fargo: Active Cash - SL: $10,000
Synchrony: PayPal MC Rewards - SL: $8,000 CL: $15,000; Venmo - SL: $4,300, CL: $10,000; Lowe's - SL: $2,000 CL: $10,000; Care Credit - SL: 500 CL: $3,000
Amex: Delta SkyMiles Platinum - SL: $1,000 CL: $4,000; Blue Cash Preferred - SL: $2,000 CL: $4,000; Marriott Bonvoy Bevy - SL $1,700; Hilton Honors Surpass - SL: $8,000
Citi: Costco Anywhere Visa - SL: $8,800; CL: $10,000; Custom Cash Card - SL: $3,500; Wayfair Card - SL: $5,000 CL: $9,100;
PenFed: Gold Card - SL: $3,500 CL: $7,500; Power Cash Rewards - SL: $2,500 CL: $7,500
Bread American Express Cashback - SL: $5,000 CL: $7,500
Mercury Finance - SL: $3,500 CL: $4,250;
Goldman Sachs: Apple Card - SL: $6,000 CL: $6,500; Marcus: GM Card - SL: $3,000;
Kohl's - CL: $3,500; CFNA Firestone - SL: $800, CL: $3,200

Sock Drawer:
Capital One: QuickSilver - CL: $1,250 (finally got CLI)
Sofi: SL: $2,500;
Merrick Bank: CL: $1,300 (can't close, one of my oldest tradelines);
BOA: Customized Cash Rewards - SL $500, CL: $1,500;

Chopping Block:
Capital One: Platinum MC - CL: $600 (they won't give me a CLI);
Credit One: 2 cards with $1,500 & $2,200 CL
Prosper: $1,400

Goal Cards:
Chase Sapphire, WF Autograph and PenFed Platinum Rewards

Car Loans: 1 loan.
Car: 2023 Audi A4 SLine
Paid off:
VW Financial Services: 2020 Jetta
Exeter Finance: 2015 Jetta

SDMarik · ‎10-17-2022

Congrats on the Amex Platinum approval! You can definately app for a second card, business or personal. There is a chance it might be a second HP, but there are plenty of data points of people getting 2 in 1 day with Amex with 1 HP.

"When prosperity comes, do not use all of it"

WasteMgmt · ‎10-17-2022

Congrats. I personally would just wait a month than apply for another card rather than risking another HP.

CapitalOne Venture X, CapitalOne Quicksilver, Chase Sapphire Preferred, Chase Freedom OG, Chase Freedom OG, Amex BCE, Wells Fargo Autograph
Last application 5/2023

TheRedHat · ‎10-17-2022

Congrats on your approval. As far as business cards with AMEX go and considering they did two hard pulls for your Platinum approval, I would personally wait until your first anniversary with AMEX to apply for a business card. They will want some experience with you first.

Last update: 6/14/2025

Goal Cards