Big Boy Club……Amex Gold & Platinum Discussion

[Brolic]

 

[Spence]

AMEX Platinum is the GOAT card. The annual fee pays for itself many times over if you use the card. It’s my main card. The only time I felt I didn’t get crazy value for the fee was 2020 when travel was halted. Still at the end of the year got two round trip tickets to Japan $1400 and didn’t pay a dime.

This by a mile, we tried the Cap 1 venture card and it’s a clown show compared to the platinum card. The only other goats higher are that Barclays card (which may not even be fkn around anymore) and the Amex Black card which no one here probably has. I should have one by my late 40’s (possibly sooner) depending on how I play my cards. That $10k APPLICATION fee though

 

[KnickstapeCity]

This by a mile, we tried the Cap 1 venture card and it’s a clown show compared to the platinum card. The only other goats higher are that Barclays card (which may not even be fkn around anymore) and the Amex Black card which no one here probably has. I should have one by my late 40’s (possibly sooner) depending on how I play my cards. That $10k APPLICATION fee though

 

[brooklyn_boulevard]

This by a mile, we tried the Cap 1 venture card and it’s a clown show compared to the platinum card. The only other goats higher are that Barclays card (which may not even be fkn around anymore) and the Amex Black card which no one here probably has. I should have one by my late 40’s (possibly sooner) depending on how I play my cards. That $10k APPLICATION fee though

10k application? So that means if you get denied the $10k disappears faster than Chris angel

 

[Spence]

10k application? So that means if you get denied the $10k disappears faster than Chris angel

Yeah…..

They run a full credit profile on you too with earning statements for 3 years as well as all bills you pay and other cards you have to make sure you are truly a baller. Invite only also, mostly unless you’re a rapper or athlete

 

[CashmereThoughts]

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

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

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

What’s that score that helps open some of these doors?

amex is thirsty and agressive right now an people are geeting approved in thehigh 600s just make sure utilzation on other cards is excelled.

i got an amex platinum and my credit profile is new and thin.

 

[Htrb-nvr-blk-&-ug-as-evr]

Yeah…..

They run a full credit profile on you too with earning statements for 3 years as well as all bills you pay and other cards you have to make sure you are truly a baller. Invite only also, mostly unless you’re a rapper or athlete

$250k/yr spend history on other cards before application
$100k yearly minimum spend required
$10k application fee
$5k annual fee

 

[Spence]

amex is thirsty and agressive right now an people are geeting approved in thehigh 600s just make sure utilzation on other cards is excelled.

i got an amex platinum and my credit profile is new and thin.

Congrats! Many aren’t nearly as lucky and you’re right about cc companies being a little on the desperate side since nobody was spending money on frivolous shyt in 2020

 

[Spence]

$250k/yr spend history on other cards before application
$100k yearly minimum spend required
$10k application fee
$5k annual fee

Status at all hotels and airlines though is worth it by itself

I think you get auto upgrades on both when booking through concierge. There’s been some wild ass stories of concierge driving across 3 countries on motorcycle to deliver sand from a specific beach for a child’s science fair project in Europe

 

[Pseudonym]

you a woman. Why you using when you talking about bbc?

you a woman. Why you using when you talking about bbc?

Because I’m not part of the Big BOYS Club

 

[Htrb-nvr-blk-&-ug-as-evr]

Status at all hotels and airlines though is worth it by itself

I think you get auto upgrades on both when booking through concierge. There’s been some wild ass stories of concierge driving across 3 countries on motorcycle to deliver sand from a specific beach for a child’s science fair project in Europe

Yea, I heard about the stuff they do for their members. Crazy...but for that money I would be the same way. They better go to the moon and bring me back a moon rock if I ask for it...

 

[Spence]

Yea, I heard about the stuff they do for their members. Crazy...but for that money I would be the same way. They better go to the moon and bring me back a moon rock if I ask for it...

I’ll be there one day soon

 

[KingBeez]

Amex plat gang member checking in

Keep utilization under 30%

Keep paying off your debt each month

Get a good 5% cashback credit card

When getting a new credit card, always make sure you spend enough to hit the reward goal

Request a credit boost (if needed)

 

[CashmereThoughts]

Keep utilization under 30%

SHould keep it under 5% especially if you dont have a particularly deep credit profile. I lose points when my utilization increases from 2% ro 4%

 

[Bubba T]

just check to see if you pre-qualify for any AmEx cards....no impact to your credit. Contrary to what folks believe, these cards aren’t hard to get. It’s actually harder to get a chase card than an AmEx....
Credit Cards - Compare & Apply Online | American Express

here are some other cards that offer pre-approval without a hard pull and doesn’t affect your credit:

Credit Cards That Offer Preapproval Without a Hard Pull - NerdWallet

I just checked out the Amex link...150k points offer for the Platimum and 75k for Gold...