What criteria is required for the platinum card?

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zhuxuhermes
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Location: State College, PA, USA

What criteria is required for the platinum card?

Postby zhuxuhermes » Tue Aug 07, 2012 11:09 am

Greetings everyone,

Just curious if the AMEX plantinum comes with a stricter evaluation process in terms of credit history, or the card shares the same criteria as Gold, Gold Premire and Green. (I know that Zync might be slightly easier to apply, but that's just what I've heard)

So my credit history is almost 2 yrs, in which I never misshed a single payment. I closed several cards before, but they are all paid satisfactory. As of right now, I have 5 cards open and in good standing. I DON'T know my FICO score, but from my experian credit report, my "fake" credit score is like arounf 740.

Can I make it if I apply for the Plantimum?


MemberSince99
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Postby MemberSince99 » Tue Aug 07, 2012 3:08 pm

As far as I know, it's little if any stricter than the Gold card.

nedyah700
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Postby nedyah700 » Tue Aug 07, 2012 4:51 pm

Just apply and see what happens!

jlam572
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Postby jlam572 » Wed Aug 08, 2012 12:34 am

Yeah its not much stricter than the gold card. When I called for the gold they kept trying to talk me into the platinum so Im sure they arent far off.
American Express Platinum
Chase Sapphire Preferred
Hawaiian Airlines BOH MC
USAA Amex
Capital One Visa Platinum
Citi Diamond Preferred MC

DavidNY
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Postby DavidNY » Wed Aug 08, 2012 6:00 pm

You should be fine. The difference between Amex charge cards is about what you're looking for in terms of benefits and annual fees.

Just be sure you'll actually use what Amex is offering so you aren't wasting your money.

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Socelli
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Postby Socelli » Sat Aug 18, 2012 2:05 am

I agree with jlam. When I upgraded to gold, after hold a green card for just 13 months, I asked how long I'd have to wait to upgrade to Platinum. The rep said, "Oh, you're eligible to upgrade now."

Then he went into his pitch telling me about all the advantages and perks to Platinum. I graciously declined the Platinum but I'm sure I'll upgrade a year from now. So jlam is right. The criteria for Platinum is real close to Gold. Remember: going from the Green AF ($95) to the Platinum AF ($495) fee is a pretty big nut. It's something to think about.
Cards:
American Express: Business Platinum-NPSL, Delta SkyMiles Gold-$2K
Chase: Sapphire Preferred-$5K, Southwest Airlines Visa-$3.7K, Freedom-$400
USAA: Platinum MC-$4K, Advantage Rate MC-$4K, Amex-$4K
FBNO: BucksBack Visa-$1K, Amex-$1.7K
GECRB: Walmart Discover-$3,7K
Barclays: Financing Visa-$3.2K, Juniper MC-$1.1K
Capital One: Platinum MC-$1.5K, Platinum MC-$750
CFNA: Firestone-$1.6K
CitiBank: Office Depot Business Card-$1K



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