It looks like the Platinum is not that hard to get....

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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PopiLopi
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It looks like the Platinum is not that hard to get....

Postby PopiLopi » Sun Sep 30, 2012 12:24 pm

So I'm taking 5 trips in the next few months and wanted to upgrade my PRG to Platinum because they're all in AA and I wanted the lounge access. I called as was told I can't upgrade until June 2013, but was told I could apply for the card if I wanted it, so I ask the guy if there were any sign up bonuses and he said that since I already had a charge card even if I applied with a sign up bonus I wouldn't get it, but he asked me if I had a business which I kinda do besides my full time job, and he suggested I applied for a business platinum to qualify for the bonus. Long story short, I applied and was approved instantly with only 18 months of credit history. I have to mention my debt ratio is less than 20% and my credit reports are flawless. Getting the platinum was a lot easier than I thought!
Amex: Business Platinum (09/12) BCP $10,500 (03/13)
Visa: Capital One Journey $750 (04/11) Chase Freedom $1,800 (04/12)
MasterCard Citi AAdvantage Platinum Select $8,500 (05/13)
Discover: Discover It $2500 (07/11)
Store Cards: Amazon $3900 (12/11) Macy's $500 (04/11) Kohl's $500 (05/12) Victoria's Secret $750 (11/12)


CC Deville
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Postby CC Deville » Sun Sep 30, 2012 4:56 pm

Congrats!

And you are correct, the underwriting for the charge cards are pretty much the same. Since they set their own internal limits based on income and assets they take far less risk with the charge card products than they do with the credit products. They are more than happy when people choose the Gold, PRG and Platinum over Zync and Green. They get a higher annual fee!

jlam572
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Postby jlam572 » Sun Sep 30, 2012 8:10 pm

congrats. plus while short, your credit profile is diversified obviously as well so that defenitely helped you.
American Express Platinum
Chase Sapphire Preferred
Hawaiian Airlines BOH MC
USAA Amex
Capital One Visa Platinum
Citi Diamond Preferred MC

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FastSRT8
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Postby FastSRT8 » Sun Sep 30, 2012 11:21 pm

It's easy IF you have all the right qualifications.

Congrats!
Carpe diem quam minimum credula postero!

jlam572
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Postby jlam572 » Sun Sep 30, 2012 11:41 pm

FastSRT8 wrote:It's easy IF you have all the right qualifications.

Congrats!


Image
American Express Platinum

Chase Sapphire Preferred

Hawaiian Airlines BOH MC

USAA Amex

Capital One Visa Platinum

Citi Diamond Preferred MC

Nick21
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Postby Nick21 » Mon Oct 01, 2012 6:42 am

FastSRT8 wrote:It's easy IF you have all the right qualifications.

Congrats!


Basically if you qualify for one charge, you qualify for them all minus Centurion of course. The Platinum Card from American Express is not what it used to be, it is very easy to get.

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FastSRT8
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Postby FastSRT8 » Mon Oct 01, 2012 10:29 am

Nick21 wrote:Basically if you qualify for one charge, you qualify for them all minus Centurion of course. The Platinum Card from American Express is not what it used to be, it is very easy to get.


Indeed. Amex like all other business is here to make their stakeholders $$$$. If you are low risk and have means, they will give you a card period.
Carpe diem quam minimum credula postero!

lexareece
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Postby lexareece » Mon Oct 01, 2012 1:06 pm

I get at least one email a week and 2 paper mailings a month pre-approving me for a platinum upgrade. I have a Business Green and Personal Gold, the mailings vary as to business or personal but its all the same in the long run. I can justify my business or my self to pay $450 for the card, plus more for anyone I choose to add! Maybe one day when I am making far more money..
In my Wallet-
[size=60]Bank of America-Platinum Privledges Cash Rewards Visa Signature 12K
American Express- , Starwood Preferred Guest 6K, Hilton Honors 6K, Amex Everyday 10K, Business Gold Rewards
Chase- Freedom Visa Signature-6K, United Millage Plus Explorer Platinum Visa-5K
Barclays- US Airways Dividend Miles Business Master Card 24K[/size]

[size=60]In a Drawer
Bank Of America- Platinum Plus Rewards- 22K, Royal Caribbean Visa Signature 8K
Discover- More Card 8K
Citi- Thank You Mastercard Card 6K, Hilton Honors Visa Signature-10K, American Airlines World Master Card 6.5K
Credit Union Card- 20K- 6.9%APR NO Fees Period(for when I get in trouble[/size]

PopiLopi
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Postby PopiLopi » Tue Oct 02, 2012 4:10 pm

thanks everybody!!! just received my card an activated it! now I'm going to get my priority pass, sign up for global entry, etc, Amex is not getting $450 out of me without giving me all the benefits, that's for sure!
Amex: Business Platinum (09/12) BCP $10,500 (03/13)
Visa: Capital One Journey $750 (04/11) Chase Freedom $1,800 (04/12)
MasterCard Citi AAdvantage Platinum Select $8,500 (05/13)
Discover: Discover It $2500 (07/11)
Store Cards: Amazon $3900 (12/11) Macy's $500 (04/11) Kohl's $500 (05/12) Victoria's Secret $750 (11/12)

UPS Gregg
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Postby UPS Gregg » Sun Oct 07, 2012 10:41 am

PopiLopi wrote: Amex is not getting $450 out of me without giving me all the benefits, that's for sure!


That's how I'd look at it. LOL! To me that is probably the only AF card that is worth the AF but only if you are methodical in using all the benefits. I don't travel enough yet to make it work so I'm being patient and waiting.
Current FICO: 805 (Equifax)

Current Cards:

*USAA Platinum MasterCard CL-$1,000.00
*USAA Signature Visa Card CL-$15,000.00
*USAA Rewards Amex CL-$15,000.00
*HSBC Best Buy Card CL-$3,300.00
*Amex Macy's CL-$8,000.00
*JPMorgan Chase Marriott Rewards Premier Visa Signature CL-$20,000.00



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