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Amex Platinum Pre-Qualify

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NRB525
Super Contributor

Re: Amex Platinum Pre-Qualify


@Anonymous wrote:

@NRB525 wrote:

I think the BCE is the better way to go for a first AMEX. EveryDay as the second choice because it earns MR points. Both are no-AF. Both bonus grocery spend.

The general opinion is the underwriting requirements for Platinum, Gold, and Green are basically the same. They are charge cards, so you don't get a Credit Limit like a revolving CC. That means AMEX has more direct ability to adjust  ( limit or expand ) your ability to spend on the charge cards, thus same initial underwriting. 


Also, those appealing bonuses for signing up for a new AMEX are "once per lifetime". So you want to try to get the best level possible. For the Gold, that means the frequent 50,000 MR points offer, not just the 35,000 point offer. For the Green, 45,000 point offer, not the 30,000 point. Each of those cards sees increased offers periodically. Using an incognito browser session is often the best way to check, although if I recall, my 50,000 point Gold and 45,000 point Green SUB offers were regular offers, not tricks of the browser. 

Anyhow, the no-AF cards are good places to start in your income level. The credit limit on the revolving credit AMEX is likely to be $1,000 or $2,000 but that can be grown quickly in several months of good payment history. Search the Applications forum for the Definitive AMEX 3x CLI guide for the details.  



Hello, 

BCE is definitely what I will go for, and because a lot of people saying apply one charge card and one credit card on the same day can be combined in one hard pull and higher odd to approve. As for gold, I open the Amex page today did not see I pre-qualify for it, however, I see the bounces is 50000MR/$2000 which is really appealing tho. 


The 50k MR offers for Gold are fairly routine. I would not use that as an "Apply Today!!!" reason. 

Taking two AMEX apps back to back may work. Then you have two spend requirements overlapping to get the bonuses Smiley Happy 

On the other hand, many of us with AMEX existing relationships get new cards without a HP, so in my opinion the double app makes no sense.

 

Having said that, I find my AMEX Gold is quite useful; points on many ( not all ) grocery stores, and many dining places. The $10 GrubHub / Cheescake monthly credit is easy enough to use. The 3 points on airfare gets overlooked often, so on a basic level, Gold can be quite competitive, even with the AF.  Compared to Platinum, I'd have to say Gold seems to me to make a whole lot more sense for you, and the underwriting is the same.  

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