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Update: Approved - Looking for opinions/advice before Amex Plat app

Welrope
New Member

Update: Approved - Looking for opinions/advice before Amex Plat app

Editing to leave in the data points./

 

all Fico 8's were between 704-706

income 225k

2 years of clean credit.

 

applied for CS platinum and got it!  Goal card snagged. 

Mod note:  I've updated your subject to reflect your approval; feel free to change/edit if you would like.  --UB

Message 1 of 13
12 REPLIES 12
DJRobbieD
Contributor

Re: Looking for opinions/advice before Amex Plat app

Data points indicate their pre-qualification site is pretty reliable.



***DPs as of 1/11/2022***
FICO 8: 810 (EX)
AoOA: 18.4 yrs, AAoA: 3.2 yrs
INQ (last 12m): EX 4 / EQ 1 / TU 0
New Accts: 3/30, 5/6, 7/12, 7/24
TCL: $284.4k, UTIL: 4-5%

In the garden until Feb 2024
Message 2 of 13
Welrope
New Member

Re: Looking for opinions/advice before Amex Plat app

yea, amex says "you are prequalified for this offer" and it shows 100k marked out and has the 125k offer.    

Message 3 of 13
DJRobbieD
Contributor

Re: Looking for opinions/advice before Amex Plat app

@Welrope I imagine that if you're pre-qualified for the vanilla platinum, you'll also be pre-qualified for the Schwab platinum. Only way to find out is to apply. At worst, it's a HP that goes nowhere. At best, you'll get a goal card Smiley Happy



***DPs as of 1/11/2022***
FICO 8: 810 (EX)
AoOA: 18.4 yrs, AAoA: 3.2 yrs
INQ (last 12m): EX 4 / EQ 1 / TU 0
New Accts: 3/30, 5/6, 7/12, 7/24
TCL: $284.4k, UTIL: 4-5%

In the garden until Feb 2024
Message 4 of 13
Welrope
New Member

Re: Looking for opinions/advice before Amex Plat app

I did apply and was approved!  Thanks for the encouragement.  

Message 5 of 13
CreditMagic7
Super Contributor

Re: Looking for opinions/advice before Amex Plat app

Congratulations on your Amex approval!

Message 6 of 13
Have1
Regular Contributor

Re: Looking for opinions/advice before Amex Plat app


@Welrope wrote:

I did apply and was approved!  Thanks for the encouragement.  


Awesome!  Congratulations!

Message 7 of 13
M_Smart007
Legendary Contributor

Re: Looking for opinions/advice before Amex Plat app

Congratulations on your Approval!

Message 8 of 13
DJRobbieD
Contributor

Re: Looking for opinions/advice before Amex Plat app


@Welrope wrote:

I did apply and was approved!  Thanks for the encouragement.  


@Welrope Congrats! Welcome to the Amex family 😁



***DPs as of 1/11/2022***
FICO 8: 810 (EX)
AoOA: 18.4 yrs, AAoA: 3.2 yrs
INQ (last 12m): EX 4 / EQ 1 / TU 0
New Accts: 3/30, 5/6, 7/12, 7/24
TCL: $284.4k, UTIL: 4-5%

In the garden until Feb 2024
Message 9 of 13
UH_HUH
Valued Contributor

Re: Update: Approved - Looking for opinions/advice before Amex Plat app

Congratulations on your approval @Welrope 

I am sure the pros here can answer your question

Enjoy your success :-)

Cheers

Message 10 of 13
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