Current Events > Just got Amex Platinum

(+) Yeah! (+)

They overnighted it to me in a bigass welcome package. I have felt metal cards before, but this thing is a brick.

I have been thinking about getting it for a while, but finally decided to pull the trigger as I am traveling to Beverly Hills next month to get a minor cosmetic procedure done (god, I feel like such a douche typing that). Amex requires $5k in spending right off the bat to qualify for the welcome bonus, so I figure I will just throw it all on the card.

Will be a nice opportunity to try out the travel benefits as well. Might have the Amex concierge service book me lunch at Spago. Amex has special tables reserved at top restaurants, so they can get Platinum and Black card holders in even if the restaurant is fully booked. There are a ton of little things like that that make this card different from anything else on the market.

fancy
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The 4 stores nationwide that accept amex will love you.
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I've turned down platinum like 5 times already with that (iirc) $450 annual fee

LordBalor4 posted...

Amex requires $5k in spending right off the bat to qualify for the welcome bonus

and shit like this. Gold does whatever I need it to do
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RE_expert44 posted...

The 4 stores nationwide that accept amex will love you.

lol everyone except mom and pop shops take Amex. I have had their Gold Card for years and loved it.

is this a bluemonk alt?
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Jen0125 posted...

fancy

y r u here?
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MacadamianNut3 posted...

I've turned down platinum like 5 times already with that (iirc) $450 annual fee

LordBalor4 posted...

Amex requires $5k in spending right off the bat to qualify for the welcome bonus

and shit like this

$550
It is worth it if you travel frequently. The Hilton/Starwood/Marriott status perks alone pay for the fee.

spudger posted...

is this a bluemonk alt?

no he also goes by @CiIantro
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spudger posted...

is this a bluemonk alt?

Ahahahahaha cute

oh damn. bluemonk gonna be jelly
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this one?

https://www.creditcards.com/reviews/the-platinum-card-from-american-express-review/
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Guerrilla Soldier posted...

this one?

https://www.creditcards.com/reviews/the-platinum-card-from-american-express-review/

This one:
https://thepointsguy.com/guide/10-things-to-do-amex-platinum/

I don't have a platinum card...just some credit card through my bank.

I somehow managed to get my credit score to 780 without realizing so I can basically ask for whatever I want within reason and my bank will hook me up.

I'm not sure what it is now because I haven't checked since they told me when I signed for the card, but I pay my balance in full at the end of each day.

edededdy posted...

Jen0125 posted...

fancy

y r u here?

idk he posted a topic on potd with a link to this topic
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Jen0125 posted...

edededdy posted...

Jen0125 posted...

fancy

y r u here?

idk he posted a topic on potd with a link to this topic

hi jen

That's a bigass box to send that card. Gratz to you to pay up that $450 annual fee.

I'm rather content with the AMEX Hilton Business card that's plentiful of benefits for me.
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GigaSPX posted...

That's a bigass box to send that card. Gratz to you to pay up that $450 annual fee.

I'm rather content with the AMEX Hilton Business card that's plentiful of benefits for me.

if TC can get the $450 annual fee's worth. i'm sure that card will work for him. i haven't had much luck in getting a credit card. i have to pay them to use one and have a limit of 300$.
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Well yeah, there's no question about it otherwise about why he went for this card. There's also the Black Card, but only the richest elite would afford having that card not to use it as much, but to show it off as a symbolism of how much they've made.

I wonder what is TC's credit limit though that comes with the Platinum, but it's just a curiosity he doesn't have to disclose here.
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LordBalor4 posted...

MacadamianNut3 posted...

I've turned down platinum like 5 times already with that (iirc) $450 annual fee

LordBalor4 posted...

Amex requires $5k in spending right off the bat to qualify for the welcome bonus

and shit like this

$550
It is worth it if you travel frequently. The Hilton/Starwood/Marriott status perks alone pay for the fee.

Travel within the US* Good luck using Amex anywhere outside the country

But cool, grats if you can make use of it.
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LordBalor4 posted...

Jen0125 posted...

edededdy posted...

Jen0125 posted...

fancy

y r u here?

idk he posted a topic on potd with a link to this topic

hi jen

Hi balor. I've missed you. How have you been?
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I've got an Amex Blue Cash Everyday card. I've gotten the Platinum "invitation" several times but fuck that annual fee. Don't travel enough for it to be worth it.
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GigaSPX posted...

I wonder what is TC's credit limit though that comes with the Platinum, but it's just a curiosity he doesn't have to disclose here.

There is no preset spending limit--though that doesn't mean *no* limit. They amount you can charge to the card is a multiple of your past spending history + considers your income. The amount you can charge isnt disclosed, but they have a tool on their site that lets you enter in an amount to see if it is approved. You can basically charge whatever you want on it and the limit really only comes into play if you are trying to buy stuff like cars. Even then, you just have to call them in advance and let them know you are spending a lot.
The black card though, that one actually has NO limit. People can't apply for that card though--you have to be invited.

Jen0125 posted...

LordBalor4 posted...

Jen0125 posted...

edededdy posted...

Jen0125 posted...

fancy

y r u here?

idk he posted a topic on potd with a link to this topic

hi jen

Hi balor. I've missed you. How have you been?

Good! Missed you too ;)

LordBalor4 posted...

Jen0125 posted...

LordBalor4 posted...

Jen0125 posted...

edededdy posted...

Jen0125 posted...

fancy

y r u here?

idk he posted a topic on potd with a link to this topic

hi jen

Hi balor. I've missed you. How have you been?

Good! Missed you too ;)

Glad to hear you're doing well. Good luck with your surgery.
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RE_expert44 posted...

The 4 stores nationwide that accept amex will love you.

This is what I thought too...I don't know who in the world takes or anyone that uses Amex anymore. Visa or MasterCard.

Bacon_Pancakes posted...

I somehow managed to get my credit score to 780 without realizing

780? You gotta pump those numbers up. Those are rookie numbers!
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TC is Finn Balor all along?
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I have this:

https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/

Had it for about 8 months, have 100,000 frequent flyer points on it
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Nice TC

One day I hope to have some pretty good cards. I only just got a CC 2 years ago, but I've got some good credit already. 767. I've been looking at other cards recently. Obviously not yours, but its a step towards!
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MrK3V posted...

Nice TC

One day I hope to have some pretty good cards. I only just got a CC 2 years ago, but I've got some good credit already. 767. I've been looking at other cards recently. Obviously not yours, but its a step towards!

It's not hard to get charge cards like Amex GR or Platinum. Charge cards carry less long term risk.
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DoctorVader posted...

MrK3V posted...

Nice TC

One day I hope to have some pretty good cards. I only just got a CC 2 years ago, but I've got some good credit already. 767. I've been looking at other cards recently. Obviously not yours, but its a step towards!

It's not hard to get charge cards like Amex GR or Platinum. Charge cards carry less long term risk.

I'll have to delve further in. I want to start taking advantage of the position I'm in.
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nice! i just got their gold card in the mail yesterday. working on minimum spend for that 50k points so i can book my japan trip

ive been tempted time and time again to get that card, but i already have the sapphire reserve by chase, and 3 other amex cards so i mean, theres really no point. i dont take uber, though i know i can use it for uber eats. and i rarely book flights with cash so the 5x is useless to me. so id really only use the 200 dollar airline credit and i guess access to the centurion lounges.

but if i did get the plat, i'd get the charles schwabb variant so i can get that sexy 1.25 cash redemption rate.
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DoctorVader posted...

MrK3V posted...

Nice TC

One day I hope to have some pretty good cards. I only just got a CC 2 years ago, but I've got some good credit already. 767. I've been looking at other cards recently. Obviously not yours, but its a step towards!

It's not hard to get charge cards like Amex GR or Platinum. Charge cards carry less long term risk.

Nah, their credit requirement for charge cards are higher than for their credit cards. Not like it really matters though. As long as you make decent money and pay your bills, you can get either. The only cards that really mean anything are Amex Centurion (Black Card), JP Morgan Palladium, and Amex Private Wealth-Branded Platinum cards.

_BIueMonk posted...

nice! i just got their gold card in the mail yesterday. working on minimum spend for that 50k points so i can book my japan trip

ive been tempted time and time again to get that card, but i already have the sapphire reserve by chase, and 3 other amex cards so i mean, theres really no point. i dont take uber, though i know i can use it for uber eats. and i rarely book flights with cash so the 5x is useless to me. so id really only use the 200 dollar airline credit and i guess access to the centurion lounges.

but if i did get the plat, i'd get the charles schwabb variant so i can get that sexy 1.25 cash redemption rate.

Nice. Don't forget that you get free roadside assistance with the gold card. If you ever lock your keys in your car or your battery dies, they will send someone to rescue you for free.

Jen0125 posted...

LordBalor4 posted...

Jen0125 posted...

LordBalor4 posted...

Jen0125 posted...

edededdy posted...

Jen0125 posted...

fancy

y r u here?

idk he posted a topic on potd with a link to this topic

hi jen

Hi balor. I've missed you. How have you been?

Good! Missed you too ;)

Glad to hear you're doing well. Good luck with your surgery.

Thx. It isnt full-blown surgery, but it is like a step up from botox. I am going to a celebrity plastic surgeon lol

LordBalor4 posted...

Nice. Don't forget that you get free roadside assistance with the gold card. If you ever lock your keys in your car or your battery dies, they will send someone to rescue you for free.

oooh yeah. thanks!
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If you do travel, make sure the countries you visit accept that card. Most places here in Australia do, but there is a nasty surcharge attached to it. No such charge for Visa or Mastercard however.
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LordBalor4 posted...

Nah, their credit requirement for charge cards are higher than for their credit cards. Not like it really matters though. As long as you make decent money and pay your bills, you can get either.

Not really. I know people with 650s-680s that have those cards.

There's less risk involved for companies, so there's no reason it would be tougher than most cards.

https://milecards.com/6158/credit-scores-needed-for-the-best-mile-credit-cards-fresh-data/

LordBalor4 posted...

The only cards that really mean anything are Amex Centurion (Black Card), JP Morgan Palladium, and Amex Private Wealth-Branded Platinum cards.

That "mean anything" doesn't mean much to most people.
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What's the minor procedure for?
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LordBalor4 posted...

Shilling

That's lovely TC.
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DoctorVader posted...

LordBalor4 posted...

Nah, their credit requirement for charge cards are higher than for their credit cards. Not like it really matters though. As long as you make decent money and pay your bills, you can get either.

Not really. I know people with 650s-680s that have those cards.

There's less risk involved for companies, so there's no reason it would be tougher than most cards.

https://milecards.com/6158/credit-scores-needed-for-the-best-mile-credit-cards-fresh-data/

LordBalor4 posted...

The only cards that really mean anything are Amex Centurion (Black Card), JP Morgan Palladium, and Amex Private Wealth-Branded Platinum cards.

That "mean anything" doesn't mean much to most people.

Card Approval
Charge cards are usually harder to get than credit cards. They do not come with a set spending limit per se, although the issues can cap your buying limit if it chooses to do so. For example, you shouldnt expect to buy a new car with a charge card. In addition, charge cards require excellent credit and a high income level. They are aimed at consumers who have the ability to spend large sums of cash. Credit cards, on the other hand, are aimed at consumers who want to buy now and pay later.
https://pocketsense.com/easier-approved-charge-card-credit-card-6531.html

Are Charge Cards Easier to Get?
Charge cards are generally harder to get approved for than most other credit cards. Since they come with no preset spending limit, issuers face greater risks putting a card like this in the hands of someone who does not have a solid track record of paying back debts they could potentially make many purchases which, when unpaid, the issuer becomes liable for. This is why charge cards, such as the American Express Premier Rewards Gold card, require excellent credit to obtain.
https://www.valuepenguin.com/charge-card-vs-credit-card-differences#easy-to-get

We get it, Amex is paying you to shill for them. I think they meant for you to shill somewhere, you know, relevant, however.
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LordBalor4 posted...

DoctorVader posted...

LordBalor4 posted...

Nah, their credit requirement for charge cards are higher than for their credit cards. Not like it really matters though. As long as you make decent money and pay your bills, you can get either.

Not really. I know people with 650s-680s that have those cards.

There's less risk involved for companies, so there's no reason it would be tougher than most cards.

https://milecards.com/6158/credit-scores-needed-for-the-best-mile-credit-cards-fresh-data/

LordBalor4 posted...

The only cards that really mean anything are Amex Centurion (Black Card), JP Morgan Palladium, and Amex Private Wealth-Branded Platinum cards.

That "mean anything" doesn't mean much to most people.

Card Approval
Charge cards are usually harder to get than credit cards. They do not come with a set spending limit per se, although the issues can cap your buying limit if it chooses to do so. For example, you shouldnt expect to buy a new car with a charge card. In addition, charge cards require excellent credit and a high income level. They are aimed at consumers who have the ability to spend large sums of cash. Credit cards, on the other hand, are aimed at consumers who want to buy now and pay later.
https://pocketsense.com/easier-approved-charge-card-credit-card-6531.html

Are Charge Cards Easier to Get?
Charge cards are generally harder to get approved for than most other credit cards. Since they come with no preset spending limit, issuers face greater risks putting a card like this in the hands of someone who does not have a solid track record of paying back debts they could potentially make many purchases which, when unpaid, the issuer becomes liable for. This is why charge cards, such as the American Express Premier Rewards Gold card, require excellent credit to obtain.
https://www.valuepenguin.com/charge-card-vs-credit-card-differences#easy-to-get

I don't know what you're arguing at this point.

I already showed you a link with the average scores of a good amount of people and what they came up with. Many credit cards were harder to get than those charge cards.

Your links don't have anything backing it up other than what this guy believes. Whereas the link I posted is recorded from other people and actually does show some charge cards being maybe 10 points higher, which I hope is not what you're nitpicking about.

I had a Gold card in fucking Sophmore year of college dude. The Platinum card is also easy as fuck to get and they're always sending out promos for that the most. The scores in that link are actually lower than even the Gold Rewards.

That set spending limit thing can actually go as low as $1000. Having that term there gives them way more leeway.

This thread has people saying the same.

https://ficoforums.myfico.com/t5/Credit-Cards/What-is-harder-to-get-approved-AMEX-Charge-Cards-or-AMEX-Credit/td-p/853610

That's odd. My first credit/charge card was the Green Card (I had just turned 19), although I called in to upgrade to Platinum within hours of receiving it (this was almost a year ago).

https://www.flyertalk.com/forum/american-express-membership-rewards/737914-charge-cards-hard-get.html

The whole charge card being harder to get is a myth and definitely not accurate especially with the Gold and Platinum cards. Sorry if I rained on your parade. When you're churning for years and hang around Slickdeals and Flyertalk, you realize just about anyone with even a basic credit score can get it.
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LordBalor4 posted...

Might have the Amex concierge service book me lunch at Spago.

Interesting that typing that doesn't make you feel like a douche.
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DoctorVader posted...

I don't know what you're arguing at this point.

I already showed you a link with the average scores of a good amount of people and what they came up with. Many credit cards were harder to get than those charge cards.

Your links don't have anything backing it up other than what this guy believes. Whereas the link I posted is recorded from other people and actually does show some charge cards being maybe 10 points higher, which I hope is not what you're nitpicking about.

I had a Gold card in fucking Sophmore year of college dude. The Platinum card is also easy as fuck to get and they're always sending out promos for that the most. The scores in that link are actually lower than even the Gold Rewards.

That set spending limit thing can actually go as low as $1000. Having that term there gives them way more leeway.

This thread has people saying the same.

https://ficoforums.myfico.com/t5/Credit-Cards/What-is-harder-to-get-approved-AMEX-Charge-Cards-or-AMEX-Credit/td-p/853610

That's odd. My first credit/charge card was the Green Card (I had just turned 19), although I called in to upgrade to Platinum within hours of receiving it (this was almost a year ago).

https://www.flyertalk.com/forum/american-express-membership-rewards/737914-charge-cards-hard-get.html

The whole charge card being harder to get is a myth and definitely not accurate especially with the Gold and Platinum cards. Sorry if I rained on your parade. When you're churning for years and hang around Slickdeals and Flyertalk, you realize just about anyone with even a basic credit score can get it.

Hahahahaha your "years of churning experience" don't impress me. At this moment I am sitting on enough Amex points for several free first class tickets anywhere in the world.
Why are you so butthurt? Have to always be right 100% of the time? Charge cards do have higher credit requirements , but they are still easy to get for anyone with a job who isnt financially illiterate. As I already said, these cards dont mean anything and I see no point arguing over something so pointless lol. I like the perks and they will make my trips more enjoyable.

Kajagogo posted...

LordBalor4 posted...

Might have the Amex concierge service book me lunch at Spago.

Interesting that typing that doesn't make you feel like a douche.

Eh, the threshold of what makes me feel like a douche has risen over the years. After $200 foie gras in monaco, it takes a lot these days.

I thought the Amex Plat was a pretigious card? Like, maybe not Centurion rare, but definitely a card for a wealthy person?

Not saying you're not, but this kind of stuff makes me thing anyone can get it:

MacadamianNut3 posted...

I've turned down platinum like 5 times already with that (iirc) $450 annual fee

Decoy77 posted...

This is what I thought too...I don't know who in the world takes or anyone that uses Amex anymore. Visa or MasterCard.

A lot of places seem to accept them online and you can always just use PayPal and pay with it that way. I don't usually use my Amex at brick and mortar stores, so I don't know how widely accepted they are in them.
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LordBalor4 posted...

Hahahahaha your "years of churning experience" don't impress me.

I wasn't trying to impress. I was saying that when you have experience dealing with a whole group of people that are dedicated to credit cards, you see that it's very easy to get. Even the data proves this.

LordBalor4 posted...

Why are you so butthurt?

What? Why would you think I'm butthurt when I'm trying to clear up misconceptions? Projecting?

LordBalor4 posted...

Have to always be right 100% of the time?

What? Sounds like you're arguing losing points. I'm just correcting things. My entire OP was to help @MrK3V realize that these are not some hard to get fancy cards and that if he applied, he'd likely get it right away.

Even bluemonk is a testament since he was able to rack up like 15 cards that are actually hard to get in under a year with like a 640 credit score when he started and with like 700 now.

LordBalor4 posted...

Charge cards do have higher credit requirements

No, they don't. Did you read the link? Literally the link is basically saying that, contrary to popular beliefs, here's actual collected data.

LordBalor4 posted...

but they are still easy to get for anyone with a job who isnt financially illiterate. As I already said, these cards dont mean anything and I see no point arguing over something so pointless lol. I like the perks and they will make my trips more enjoyable.

So why are you arguing and acting so defensive? And yeah, I had a minimum wage job when I first got the card, so basically anybody working and with a year of credit history can get it.

650 credit scores are not excellent by any means.
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