Big Boy Club……Amex Gold & Platinum Discussion

Discussion in 'The Locker Room' started by brooklyn_boulevard, Jul 11, 2021.

  1. brooklyn_boulevard

    brooklyn_boulevard All Star

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    Credit gurus, I have been working hard to improve my score and it has been working great. :wow:

    I know time is everything when building credit but My question though is, when do I start receiving pre approved letters from the big boy companies; Amex, Chase, etc :mjgrin:

    Of course that’s not the main focus on why I am working on my credit life but I bet it feels great when you get a pre approved letter for AMEX GOLD :patrice:

    What’s that score that helps open some of these doors? :feedme:
     
  2. humminbird

    humminbird Veteran

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    I started getting amex and chase approvals when my score hit low 700's
    my friend get some in the high 600's though so ymmv
     
  3. brooklyn_boulevard

    brooklyn_boulevard All Star

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    seems like 700s are the entry points to most of these cards huh? :ohhh:
     
  4. BigMoneyGrip

    BigMoneyGrip I'm Lamont's pops Supporter

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    Never :ufdup:
     
  5. NoMorePie

    NoMorePie Veteran Supporter

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    People still use credit cards?

    We off that :hhh:

    Real gold bars gang gang we outchea :mjlit:
     
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  6. Pseudonym

    Pseudonym Hi, I’m a custom smiley addict! xoxo

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    675 gets you probationary entrance to the BBC :dame: which is level B0


    700 = junior member - B1

    750 = senior member - B2

    800= platinum senior - B3

    850= dinner with Jay Z - B4
     
    Last edited: Jul 11, 2021
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  7. humminbird

    humminbird Veteran

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    yeah but depending on what kind of card you want you can probably skate by with a lower score
    for example for amex you just need one card and then after they do soft pulls and use the history you have with your current card to make a decision
    so if you get a basic cash everyday or basic everyday card you can apply for the gold or plat a couple of months later and they won't look at your credit so much
    I can't speak much for chase because i don't have one
    also, companies are giving credit like crazy right now
     
  8. Spence

    Spence Superstar

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    Gold? Peasants :comeon:

    Platinum Gang here :win:


    You have to keep stepping up in cards to get to that level, Amex ain’t sending out no preapprovals for anything outside a blue cash card :mjlol:

    Start with a Cap 1 Quicksilver, then Discover card and get that limit up to about $15k then go to the Chase Sapphire Reserve which I think my limit is $25k, from there the Amex Plat should open up. Don’t waste your tile with a gold card I don’t even think the benefits outweigh the annual fee :ufdup:
     
  9. Spence

    Spence Superstar

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    Chase has a 2/24 rule where you can’t have more than 2 new accounts open within 24 months of one another for them to consider you. They don’t want you taking their welcome offer of 50k whatever points and then walking away.
     
  10. Spence

    Spence Superstar

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    Receipt so you know I’m not on that bullshyt :ufdup:

    [​IMG]

    pm me if you need additional pointers
     
  11. brooklyn_boulevard

    brooklyn_boulevard All Star

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    Does the Amex platinum look at your salary as a requirement?
     
  12. brooklyn_boulevard

    brooklyn_boulevard All Star

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    Yes. Sending you one now
     
  13. Spence

    Spence Superstar

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    I think once you get to a certain point they stop looking just like with paperwork for buying new cars. I can walk in right now and pick my favorite color Ferrari but wtf I look like with a $3000+ car note per month :mjlol:
     
  14. Spence

    Spence Superstar

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    Good luck catching a murder charge when ignant ngas try to snatch up shyt and run :lolbron:
     
  15. Orbital-Fetus

    Orbital-Fetus cross that bridge Supporter

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    just checked my credit.
    pushing up on 760, under 10% credit usage...and i've been unemployed since march 2020.
    life is crazy. my credit was not jacked up before that but it's gotten steadily better over the
    past year and a half and that's just off unemployment benefits.
    i have bought a few things here and there but for the most part i bank everything and pay off debt like it was my job.
    i don't really get any credit card offers...
     

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