Amex Platinum chances?

[Anonymous]

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@Anonymous wrote:
Looking at applying for the Amex platinum card but not sure how good my chances are. Please let me know what you think!

Experian score: 754
Approx income: 120k
Average length of accounts: 18 months
Current cards: Wells Fargo platinum-1k limit
: chase sapphire card holder on my wife's account- 13k
Credit utilization- 10%

I moved here from the U.K. Recently which is why my accounts are still young and I don't have much going on. Do you think I can still be approved for the Amex card, me and my wife travel a lot and think it would be beneficial.

Thanks for the help!

Also if this is in the wrong place please move, thanks!

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I believe you may have a better chance if you have the AMEX GOLD first.  I had a friend that has GOLD as well and he told me he was offered the AMEX Platinum because of the average spending limit. hope you get it.

[Anonymous]

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@vespinoza87 wrote:

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@Anonymous wrote:
Looking at applying for the Amex platinum card but not sure how good my chances are. Please let me know what you think!

Experian score: 754
Approx income: 120k
Average length of accounts: 18 months
Current cards: Wells Fargo platinum-1k limit
: chase sapphire card holder on my wife's account- 13k
Credit utilization- 10%

I moved here from the U.K. Recently which is why my accounts are still young and I don't have much going on. Do you think I can still be approved for the Amex card, me and my wife travel a lot and think it would be beneficial.

Thanks for the help!

Also if this is in the wrong place please move, thanks!

---

I believe you may have a better chance if you have the AMEX GOLD first.  I had a friend that has GOLD as well and he told me he was offered the AMEX Platinum because of the average spending limit. hope you get it.

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You definitely dont need to start with a gold first. You can apply to any charge card, its not neccessrily by the steps from green gold to plat, etc. The consensus is the charge cards arent that hard to get, a lot of people with lower scores and profile have gotten charge cards approved more easily than other revolver cards in general. 

[Anonymous]

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@Anonymous wrote:

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@vespinoza87 wrote:

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@Anonymous wrote:
Looking at applying for the Amex platinum card but not sure how good my chances are. Please let me know what you think!

Experian score: 754
Approx income: 120k
Average length of accounts: 18 months
Current cards: Wells Fargo platinum-1k limit
: chase sapphire card holder on my wife's account- 13k
Credit utilization- 10%

I moved here from the U.K. Recently which is why my accounts are still young and I don't have much going on. Do you think I can still be approved for the Amex card, me and my wife travel a lot and think it would be beneficial.

Thanks for the help!

Also if this is in the wrong place please move, thanks!

---

I believe you may have a better chance if you have the AMEX GOLD first.  I had a friend that has GOLD as well and he told me he was offered the AMEX Platinum because of the average spending limit. hope you get it.

---

You definitely dont need to start with a gold first. You can apply to any charge card, its not neccessrily by the steps from green gold to plat, etc. The consensus is the charge cards arent that hard to get, a lot of people with lower scores and profile have gotten charge cards approved more easily than other revolver cards in general. 

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I agree with TheGeekyCreditGuy. They have the same lending requirements it's just the annual fee that makes them differ. 

[Anonymous]

Def don't need the Gold first.

[Anonymous]

You are good to go in my opinion.

[thummel]

I'm pretty sure you won't have a problem. I think all the charge cards have pretty much the same underwriting standards even on the business side of Amex. The only one I have found harder to get is the Plum card. All the others were really easy. The only one I have yet to get is the platinum.

[SouthJamaica]

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@Anonymous wrote:
Looking at applying for the Amex platinum card but not sure how good my chances are. Please let me know what you think!

Experian score: 754
Approx income: 120k
Average length of accounts: 18 months
Current cards: Wells Fargo platinum-1k limit
: chase sapphire card holder on my wife's account- 13k
Credit utilization- 10%

I moved here from the U.K. Recently which is why my accounts are still young and I don't have much going on. Do you think I can still be approved for the Amex card, me and my wife travel a lot and think it would be beneficial.

Thanks for the help!

Also if this is in the wrong place please move, thanks!

---

Your score's around 100 points higher than mine was when I got mine.

[Anonymous]

Hi everyone, 

Just applied and got ACCEPTED for the amex Platinum! was pretty nervous but all well and good! Someone on here suggested picking up 2 cards on the same day as it only counts as one hard pull? Like the look of the Amex everyday credit card. Should i pull the trigger on this also?

Cheers for all the help.

[Anonymous]

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@Anonymous wrote:

Hi everyone, 

Just applied and got ACCEPTED for the amex Platinum! was pretty nervous but all well and good! Someone on here suggested picking up 2 cards on the same day as it only counts as one hard pull? Like the look of the Amex everyday credit card. Should i pull the trigger on this also?

Cheers for all the help.

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I would. The ED card earns you 2x at grocery stores, so if your spend is good there it might make sense. 

[Anonymous]

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@Anonymous wrote:

Hi everyone, 

Just applied and got ACCEPTED for the amex Platinum! was pretty nervous but all well and good! Someone on here suggested picking up 2 cards on the same day as it only counts as one hard pull? Like the look of the Amex everyday credit card. Should i pull the trigger on this also?

Cheers for all the help.

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congrats. its good that you apply now so you only pay $450 on the AF before it gets bumped up to $550. Also, remember to request the metal card begining on the 30th of this month!