AMEX question.

[SouthJamaica]

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@Anonymous wrote:
Hey folks. I really wanted to get everyone’s feedback.

I currently have an AMEX Gold card. I’ve reached 3 months with it and have used it pretty heavily. I currently have no balance on it.

My scores are Equifax 770, TransUnion 789, Experian 795. Fico 8

I have lots of mixed credit and my credit history is about 2 years and 2 months.
I have a Mortgage, 2 car loans, 5 credit cards and 1 charge card and 2 unsecured loans.

No missed payments ever.

0% utilization currently.

I applied for a AMEX platinum a month ago and was declined. Reasons were for credit history. At the time my scores were about 40 point less for Experian and I had about 26% utilization.

What are my chances now on getting approved for the platinum card now?

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Your chances are great.

[Anonymous]

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@Anonymous wrote:
My letter of decline states back on August 8, 2019.

“We obtained your Fico score from Experian.....On July 27, 2019, your Fico score was 754”

I applied on August 8 and was declined. Safe to say AMEX does a soft pull for me every 27th of the month. Basically a few days after my statement closes.

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I don't think that your score had anything to do with the reason for the decline, as I've heard of people just under 700 being approved.

It might have been that your history with them wasn't sufficient at that time. If I recall they started targeting me for the Platinum about 4 or so months after having an account with them. Mailers, in account upgrade offers etc. 

Based on the info you provided i don't see any other reason for a denial, so it was likely just too early internally. 

[Guyatthebeach]

Check to see if the Platinum is in your preapproval offers. If it isn’t and you don’t care about the sub offer, see if Amex will upgrade your card to the Platinum.  The worst they will say is no. 

Guyatthebeach

[Anonymous]

I was actually sent the 100,000 point bonus offer from platinum a couple of weeks ago. Expires October 16. I need to take the chance before then and apply.

I have to agree with you though.