When does the American Express Platinum card report to credit bureaus?

American Express uses all three major credit bureaus (TransUnion, Equifax and Experian) in order to assess your creditworthiness. Credit reports, however, don’t differ that much from bureau to bureau. So, there’s a huge overlap between the contents of each major credit report.

However, make sure all of your reports are in order. Remember that you are entitled to one free report from each of the three major credit bureaus every 12 months. This will provide an opportunity...

American Express approval odds are best for people with at least good credit (700+). Cardholders should also have enough annual income to pay the card’s annual fee (if there is one) and the entire balance in full, when applicable. Minimal debt and steady employment are also important.

Before applying for an American Express card, consider checking for pre-qualification, to get a better sense of your approval odds. You can check if you’re pre-qualified online or over...

You can get an American Express credit limit increase by requesting one online or by calling either the number on the back of your card or (800) 528-4800. To request a credit limit increase online, follow these steps:

1. Log into your Amex account using your credentials.
2. Click on “Account Services” and then “Credit Management.”
3. Finally, click on “Increase Line of Credit.”

For phone requests, you’ll be dealing with an automated system at first....