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Platinum Amex on a Whim - Instant Approval - Beyond ecstatic

carolinagirl11
New Contributor

Platinum Amex on a Whim - Instant Approval - Beyond ecstatic

 

I've been wanting to apply for the Amex Platinum and Chase Sapphire Reserve, but have been waiting for my scores to hit over 700 and also waiting for at least April on the CSR because I want to try for the bonus (I got the CSP bonus in March 2016).

 

My FAKO scores in December (2017) were in the low 600s. MyFico8 scores as of 2-20 were EQ 729 TU 698 and EX 665. I know Amex pulls EX, and I am still waiting on some balances to update to bring my utilization to under 5%. I was recently denied a CLI increase on my SPG card (which is annoying because I managed to get $30K in spend on the card last year with a $1K CL), so I was not expecting any love on a new card. 

 

Any hoo, I was checking for my offers and it kept asking me to log in (even on the incognito site) and taking me to the page that had featured cards consisting of BC, ED and Delta Reserve (upgrade option only). Clicked on ED and thought about trying for it. The page come up and said expanding your membership is easy (or something to that effect) and it only asked for name, number and income. I started searching the forum to try to see what that could mean and started seeing that Amex is likely to only do a SP for members if denied.  Instead of apping for the ED like I planned, I decided to take a chance on the Platinum. If the worst that could happen is a SP, no harm, no foul right. Clicked on apply now and it said congrats you're pre-approved. Decision in as little as 30 seconds. OK. Name was pre-filled, so added phone number and income and VOILA. Congratulations!!! 

 

I have several international trips planned this year, so I am excited to try out the lounge access and maybe even using the concierge to get Hamilton tickets for my birthday lol. I only wish I had this card in hard a week ago when I booked $3200 in flights given  the $5k spend for the 60K bonus.

You have to start somewhere, so HERE is THERE
Starting FICO 8 Score: 2-20-18 EQ 729 TU 698 EX 665
FICO 8 Score Upon entering the Garden: 3-14-18 EQ 719 TU 724 EX 681
Recent FICO 8 Score: 4-1-18 EQ 714 TU 721 EX 669
Goal Score: 750 across the board
The Good: all accounts current; utilization 8%
The Bad: 8 - 30 day lates (2013-2017); 3 60 day lates (2014-2016)
The Ugly: ONE CO 2014 - reporting as current CO on EXP (in dispute)


In the garden until March 2020
Message 1 of 18
17 REPLIES 17
Irish80
Moderator Emeritus

Re: Platinum Amex on a Whim - Instant Approval - Beyond ecstatic

Congrats on the approval.  I’d have back up plans for getting Hamilton tickets though.  Very unlikely that the Amex concierge will be able to secure any.

Message 2 of 18
4theLoveofPoints
Valued Contributor

Re: Platinum Amex on a Whim - Instant Approval - Beyond ecstatic

Congrats!

It has to be frustrating to run $30K through a $1K limit. I hope they change their tune with you very soon.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 3 of 18
AverageJoesCredit
Mega Contributor

Re: Platinum Amex on a Whim - Instant Approval - Beyond ecstatic

Congrats on your PlatSmiley Happy
Message 4 of 18
simplynoir
Community Leader
Super Contributor

Re: Platinum Amex on a Whim - Instant Approval - Beyond ecstatic

Congratulations on your new Plat card!

Message 5 of 18
carolinagirl11
New Contributor

Re: Platinum Amex on a Whim - Instant Approval - Beyond ecstatic

Awwww a girl can dream 😋
You have to start somewhere, so HERE is THERE
Starting FICO 8 Score: 2-20-18 EQ 729 TU 698 EX 665
FICO 8 Score Upon entering the Garden: 3-14-18 EQ 719 TU 724 EX 681
Recent FICO 8 Score: 4-1-18 EQ 714 TU 721 EX 669
Goal Score: 750 across the board
The Good: all accounts current; utilization 8%
The Bad: 8 - 30 day lates (2013-2017); 3 60 day lates (2014-2016)
The Ugly: ONE CO 2014 - reporting as current CO on EXP (in dispute)


In the garden until March 2020
Message 6 of 18
mdswxtech
Frequent Contributor

Re: Platinum Amex on a Whim - Instant Approval - Beyond ecstatic

Congratulations on your new Plat card! Hopefully, you will get the tix for Hamilton

Message 7 of 18
bossbabybrad1
Frequent Contributor

Re: Platinum Amex on a Whim - Instant Approval - Beyond ecstatic

Congratulations on your new Platinum card! Man, I want one so bad I can taste it. 

FICO as of 02/13/2018: 669 EQ Fico 8, 709 TU Fico 8, 716 EX Fico 8
5/3 Truly Simple MC #1 $5k | 5/3 Truly Simple MC #2 $4k | Banco Do Brasil Platinum Visa $3k | Home Depot $2k | HSBC Cash Rewards MC $1.5k | BMO Harris Cash Back MC $1.5k | BMO Harris Platinum Rewards MC $1.2k | HSBC Platinum Rewards MC $1k | Best Buy Visa $1k | Commerce Bank Drury Key Club Visa $1k | Citi Shell Card $0.8k | Penfed Power Cash Rewards $0.5k | Capital One QS1 $0.3k | Macy’s $5k
Message 8 of 18
carolinagirl11
New Contributor

Re: Platinum Amex on a Whim - Instant Approval - Beyond ecstatic

If it wasn't for the fact that Amex allows me to make a payment right after a charge and immediately increases my available credit, it definitely wouldn't work. On the one hand it's nice to control my impulse spends but on the other hand it's aggravating for my necessary spends.
You have to start somewhere, so HERE is THERE
Starting FICO 8 Score: 2-20-18 EQ 729 TU 698 EX 665
FICO 8 Score Upon entering the Garden: 3-14-18 EQ 719 TU 724 EX 681
Recent FICO 8 Score: 4-1-18 EQ 714 TU 721 EX 669
Goal Score: 750 across the board
The Good: all accounts current; utilization 8%
The Bad: 8 - 30 day lates (2013-2017); 3 60 day lates (2014-2016)
The Ugly: ONE CO 2014 - reporting as current CO on EXP (in dispute)


In the garden until March 2020
Message 9 of 18
Tigers09
Valued Contributor

Re: Platinum Amex on a Whim - Instant Approval - Beyond ecstatic

Congartulations on your Amex approval!!!

And good luck waiting on your CSR; hopefully you get it.

State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 10 of 18
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