Platinum Amex Chance of being Approve?

[FocusedAndDetermined]

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@Anonymous wrote:

Average Age of Accounts : 7 years 6 months

Capital One: 2,750

Capital One reward: 4,500

Credit One Bank: 1,250 

1 late payment  Sept 2011

no bankruptcy 

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Those stats are pretty good. It seems the concensus is that the underwriting is similar for the charge cards.

Do you travel enough to utilize the benefits to offset the AF?  Others are more familiar with AMEX's underwriting and the benefits of each card.  Best of luck whatever you decide.

[Jaylima91]

I was also dumbfounded when this occurred. Not sure what set the trigger as I know how Amex charge cards have the same requirements. I still want the Platinum and now I am considering just having both. Plat for benefits and then PRG PC to EDP or something.

[B335is]

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@Jaylima91 wrote:
I was also dumbfounded when this occurred. Not sure what set the trigger as I know how Amex charge cards have the same requirements. I still want the Platinum and now I am considering just having both. Plat for benefits and then PRG PC to EDP or something.

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I was considering the Ameriprise Platinum, but I just don't use my PRG nearly as much as I used to, so will be closing it in November.

[Jaylima91]

Funny thing is I was also considering the Ameriprise Platinum until I read in another thread that it is a co branded Ameriprise card and apparently it shows the Ameriprise brand on the back on the card. Although it is a dumb reason not to consider the "$0 annual fee the first year" I would just rather apply for the regular plat with 40k MR bonus. Dont want the Ameriprise brand on the back of my card. Lol yes I know I am picky.

[Luscher]

It is still amex's card and is from centurion bank so it is the exact same card just a little ameriprise logo on the back

[09Lexie]

Doesn't bother me one bit.  

[-Cal-]

OP, what is your income bracket?

[Anonymous]

I'd say pretty close to 100% assuming the UW standards are the same for all their charge cards. I was instantly approved for the Amex Green with like 15+ hard inquiries, ~$25K in CC debt (like 90% util), and scores in my sig.

Having said that, I've been denied 4 times in the last 10 months for their revolvers (Delta, Costco x 2, and BCP). I applied for the Delta at the same time as the Green, and the other two I've applied for at different times after the 6 month mark with the Green.

[SpendWisely]

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@Jaylima91 wrote:
I was also dumbfounded when this occurred. Not sure what set the trigger as I know how Amex charge cards have the same requirements. I still want the Platinum and now I am considering just having both. Plat for benefits and then PRG PC to EDP or something.

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FYI: You can't PC an AMEX charge card to a revolver and vice-versa.

[Jaylima91]

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@SpendWisely wrote:

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@Jaylima91 wrote:
I was also dumbfounded when this occurred. Not sure what set the trigger as I know how Amex charge cards have the same requirements. I still want the Platinum and now I am considering just having both. Plat for benefits and then PRG PC to EDP or something.

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FYI: You can't PC an AMEX charge card to a revolver and vice-versa.

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Oh that's right. I did read that on another thread. Completely forgot. I'll still consider getting EDP and possible canceling PRG