If you call to request reconsideration from American Express, make sure you are prepared to make an argument for why you should be approved. You will typically only have a shot at overturning a denial if you can prove that your financial profile is better than it appeared on your initial application.
For example, if your credit score went up significantly or you got a raise since you applied, you could argue that you are now more creditworthy. Alternatively, if you were denied because of incomplete or incorrect information on the application, you could ask for reconsideration after fixing that error.
At the end of the day, you probably won’t be successful in overturning your denial, but there’s no harm in trying.
The American Express Platinum card credit score requirement is 700 or higher. This means applicants need good credit or better to be approved for the American Express Platinum card in most cases. If you don’t know where you stand, you can check your credit score for free, right here on WalletHub. To gauge your odds of approval, you can also check to see whether you pre-qualify for American Express Platinum card offers.… read full answer
The American Express Platinum card credit score requirement isn’t the only thing that determines whether you’ll be approved, though. Your credit history, income and any debt you’re carrying will also play a role in your approval odds. In fact, reports around the internet suggest you can get approved with slightly lower credit score if you have high enough income.
If you don’t meet the American Express Platinum card credit score requirement, there are plenty of other credit cards you can get. They likely won’t be from American Express, though, since Amex cards require good or excellent credit. The best credit cards for fair credit also have rewards that fit various spending habits. Once you get a credit card, be sure to make all of your payments on time, and try to keep your credit utilization below 30%. This will help raise your credit score so you can get approved for a card like American Express Platinum card in the future.
The main American Express Platinum card’s requirements for approval are that an applicant must be at least 18 years old with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least good credit (a credit score of 700+).… read full answer
American Express Platinum card Requirements
At least 18 years old
Physical U.S. address (no P.O. boxes)
Proof of enough income to make the monthly minimum payment
If you apply for the American Express Platinum card, it’s important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.
Yes, it is hard to get the American Express Platinum card because applicants need a 700+ credit score and a high income to qualify for approval. But if you have good or excellent credit and make a lot of money, you have a good shot. And if you are able to take advantage of the card’s substantial rewards and benefits, American Express Platinum can be worth owning.… read full answer
American Express Platinum card isn’t the hardest Amex card to get, though. Its requirements are far more lenient than those of the Centurion® Card from American Express. It is an invitation-only card that reportedly requires you to spend hundreds of thousands of dollars per year on another Amex card and have a 7 figure annual income to qualify.
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