- Centurion Member
- Posts: 321
- Joined: Mon Jan 02, 2012 1:21 am
- Location: Denver
Luscher wrote:I have read hundreds of different people asking this question but im not sure ive found anybody with my current situation.
Credit score: 725
Credit history: 2 yrs
Payments: always paid early and in full
Types of credit currently held: 1 credit card with a 0 balance, and an auto loan.
I have a part time job and make around 15,000 a year because I am a full time student.
What are my odds of being accepted. I really do not want to apply and get denied because I am obsessed with keeping a clean credit history.
Your credit profile, age, and income will prevent you from getting an American Express Platinum card. You have to demonstrate lots of disposable income, as that is who their members are. $15k can't really pay for much in the lines of luxury items, hotel rooms and first class tickets. There is no "official" income requirement, there is a "demonstrated ability to pay in full of large amounts of cash each month" in every algorithm and formula at American Express.
When I was a gold card member once my monthly spending in luxury categories exceeded 10k a month I started receiving Platinum offers.
American Express Platinum Personal, Member since 94
Chase United Explorer - Visa Signature
Chase Sapphire Preferred
American Express Business Simply Cash
American Express Costco Business, American Express Platinum Business
Bank of America 10k, Capital One Venture World MasterCard 7.5k, Fidelity Visa Signature 10k
Citibank ThankYou Premier World MasterCard - Card Member since 91, 25k
Discover 10k Member since 91, Wells Fargo Personal & Business Visa Signature
USAA World MasterCard 12k, Chase Slate Exclusives Visa 5k
Lifelock member, USAA credit monitoring, Security Freezes E/E/TU, 800+