kelvSYC wrote:So they care enough to send me an email saying that they want me to apply, knowing that if I did, I wouldn't be approved, making me waste my time and costing me a precious hard pull.
You are right, American Express cares only enough to try and pull off this stunt.
They don't know you wouldn't be approved. While I have never gotten one for the Platinum card, those credit card invitations are just that: invitations to apply. There is no guarantee you will be approved if you do apply.
It is a marketing tool; they have a lot to gain from your opening a new account. The offer may not have been sent out to everyone on your street, but those targeted offers still aren't that selective. It is not like there is a team of analysts pouring over credit files to determine who qualifies for the offer. More likely, you made it through a set of filters in a database. Hell, long after I opened a Discover card I regularly got offers inviting me to apply for the same account