Amex Platinum Cashback - Referred

InsideInsurance

mynameistallulah wrote: »

For future reference, AmEx don't like you to have a high level of available credit, even though they can see it is not being used.

Have to say that this isnt my experience. I had about £20k of available/ unused credit when I applied and was accepted.

reclusive46

InsideInsurance wrote: »

Have to say that this isnt my experience. I had about £20k of available/ unused credit when I applied and was accepted.

Agreed, + Amex are guilty of this themselves. On my charge card they let me spend more than my reported annual income one month haha.

OllyM

reclusive46 wrote: »

Agreed, + Amex are guilty of this themselves. On my charge card they let me spend more than my reported annual income one month haha.

As per usual for your posts, I find this hard to believe. About a year ago I ran up a large bill (not even 20% of my annual income!) on my Platinum charge card and Amex called to make sure that I was intending to repay it in full. They also put a temporary restriction on the account until the balance was repaid, and said that small transactions would be authorised but if I wanted to charge anything big to the account I would have to ring and have it authorised first.

InsideInsurance

OllyM wrote: »

About a year ago I ran up a large bill (not even 20% of my annual income!) on my Platinum charge card and Amex called to make sure that I was intending to repay it in full.

A lot will depend on how long you've been with them, what your normal spend patterns are etc - though evidently no ones spend patterns are going to be regularly above 100% of annual income unless you argue income = salary and excludes other "income" sources.

A couple of months after I joined I was told a £5k transaction would be declined (to be on top of the normal couple of k spend). A couple of months later they had no issues with a £10k transaction (again on top of normal spend)

thesaver79

Just called. I've been approved! :-)

OllyM

InsideInsurance wrote: »

A lot will depend on how long you've been with them, what your normal spend patterns are etc - though evidently no ones spend patterns are going to be regularly above 100% of annual income unless you argue income = salary and excludes other "income" sources.

A couple of months after I joined I was told a £5k transaction would be declined (to be on top of the normal couple of k spend). A couple of months later they had no issues with a £10k transaction (again on top of normal spend)

Oh absolutely, but spending more than your annual income in one month seems excessive!

InsideInsurance

OllyM wrote: »

Oh absolutely, but spending more than your annual income in one month seems excessive!

I did once, a LONG time ago but then that was because my income had been slashed when I stopped working an ok job full time to go to uni and I was only doing part time at £4.50/hr - paid it off in full that month and cancelled at the end of that membership year.

Think I was one of the few students with a platinum chargecard :beer:

[Deleted User]

I said I'd update this thread for use of people applying in future:

Took a while as I was out of the country at my time of application but I submitted the paperwork to Amex this week. Called them today to check on application status and was told that I'd been approved - card is in the post.

So, if you apply and Amex then ask you for a certified copy of your passport and something to prove your address then it seems that this is simply a technicality and so long as you're able to provide them then you'll get the card.

From my point of view, if you want to speed things up then your best bet is to apply and if you don't get an immediate decision, call them up in the next day or two - saves waiting for a letter to come through. They'll either tell you that you're accepted, declined or have to provide paperwork (which seems like a delayed acceptance).