AMEX Platinum Edge Referral bonus

[prozac]

I am also happy to refer anyone if required, please PM with your email also!

Get some posts under your belt first otherwise you could be excused for joining just for that purpose.

 

[FreddyFattler]

I applied for this card last year but was turned down due to them not being able to verify my identity..though they managed to pull my credit file ;/

Does anyone know if they use the electoral roll as part of the process? at the time i wasn't on the electoral roll and also didn't have a drivers licence thus was relying on a newly obtained passport and a medicare card.

I easily meet the financial criteria, base pay of 70k, actual earnings closer to 90-95k. I also have savings as i am looking to buy a property in the next few months so i cannot see a financial reason for the rejection, nor am i overloaded with credit, i have one 2k card, credit file is also clean, only 1 telecom listing, 1 current cc and the amex app, no defaults etc.

Once i'm confident they'll be able to verify my details i'll grab a referral from someone here, just don't want futile credit checks as i don't want homeloan lenders thinking i'm desperate for cash, i want to start accruing points for future trips to HKG and HNL in the next couple of years.

 

[halogen]

I applied for this card last year but was turned down due to them not being able to verify my identity..though they managed to pull my credit file ;/

Does anyone know if they use the electoral roll as part of the process? at the time i wasn't on the electoral roll and also didn't have a drivers licence thus was relying on a newly obtained passport and a medicare card.

I easily meet the financial criteria, base pay of 70k, actual earnings closer to 90-95k. I also have savings as i am looking to buy a property in the next few months so i cannot see a financial reason for the rejection, nor am i overloaded with credit, i have one 2k card, credit file is also clean, only 1 telecom listing, 1 current cc and the amex app, no defaults etc.

Once i'm confident they'll be able to verify my details i'll grab a referral from someone here, just don't want futile credit checks as i don't want homeloan lenders thinking i'm desperate for cash, i want to start accruing points for future trips to HKG and HNL in the next couple of years.

I think they go off drivers licenses to identify you. I have had some issues with my official name not matching my license name whilst applying for a 28 degrees card.

They informed me that the info I provided does not match my veda report and advised me to check my credit file. They ended up approving my 28 degrees card anyway.

One thing to consider which you have mentioned too is that if you plan to get a home loan within the next year, its best to refrain from any credit checks / cc applications if you can help it

 

[prozac]

Hi Freddy, my advice would be to apply again. If they knock you back again then get on the phone and see if they will complete the application whilst you are talking to them. They did this with my application and th operator has a bit of discretion in applying the rules. This should not be necessary with the income you have indicated.

Why not apply via the referral process and get some extra points for your troubles? I am happy to refer you, just pm me if interested.

 

[FreddyFattler]

I think they go off drivers licenses to identify you. I have had some issues with my official name not matching my license name whilst applying for a 28 degrees card.

They informed me that the info I provided does not match my veda report and advised me to check my credit file. They ended up approving my 28 degrees card anyway.

One thing to consider which you have mentioned too is that if you plan to get a home loan within the next year, its best to refrain from any credit checks / cc applications if you can help it

Ah, that'll teach me for being a bum and making other people drive me everywhere!

Yeah the homeloan is concerning me, that'll be a joint venture though so perhaps it won't be as bad so long as i am able to show that i am able to save and perhaps cancel the other card to lower potential credit available to me.

Will have to think about that for a couple of days i think.

Hi Freddy, my advice would be to apply again. If they knock you back again then get on the phone and see if they will complete the application whilst you are talking to them. They did this with my application and th operator has a bit of discretion in applying the rules. This should not be necessary with the income you have indicated.

Why not apply via the referral process and get some extra points for your troubles? I am happy to refer you, just pm me if interested.

Hi mate, i'm definitely feeling more confident about it now, if you want to pm me your referral link, once i've thought about the homeloan/credit checks i may just click it and send through an application.

 

[prozac]

Hi mate, i'm definitely feeling more confident about it now, if you want to pm me your referral link, once i've thought about the homeloan/credit checks i may just click it and send through an application.

I have sent you a pm.

 

[mitwg]

One thing to consider which you have mentioned too is that if you plan to get a home loan within the next year, its best to refrain from any credit checks / cc applications if you can help it

+1

This sounds like the sensible thing to do, unless you have some extraordinary reason to have an AMEX immediately.

Regardless of whether you are successful or not, any credit applications will add an enquiry to your file. If you only have 1-2, then this might be ok but lenders can be unhappy once you have a few (obviously this number varies depending on the circumstances). A 10 basis point difference in a home loan may not mean much initially but over 20-30 years, it does add up.

Not to mention most CC companies have signup offers with 0% interest balance transfer offers that you can take advange of, which is a good way to offset some of the debt you owe on your home loan but this again is only possible once you get the home loan.

 

[FreddyFattler]

+1

This sounds like the sensible thing to do, unless you have some extraordinary reason to have an AMEX immediately.

Regardless of whether you are successful or not, any credit applications will add an enquiry to your file. If you only have 1-2, then this might be ok but lenders can be unhappy once you have a few (obviously this number varies depending on the circumstances). A 10 basis point difference in a home loan may not mean much initially but over 20-30 years, it does add up.

Not to mention most CC companies have signup offers with 0% interest balance transfer offers that you can take advange of, which is a good way to offset some of the debt you owe on your home loan but this again is only possible once you get the home loan.

Yeah I am taking this into consideration.

2 of the checks on my file were 3 years ago. Thats one optus phone contract which I paid out 18 months in as the service or the lack of service was costing me money in lost overtime. And a Bendigo Black credit card whichbi chose as it is low rate and as it was my first card I wanted to ensure my self control held firm!

The only application within 3 years has been my previous attempt at getting the Plat Edge card.

I've definitely made a conscious effort to keep credit applications to a minimum.

If I do apply for the card I will leave about 6 months before applying for a home loan which would also ensure we had more cash to minimize the loan required.

I appreciate the responses and warnings, as yet I haven't made a decision on which way I will go but will get back to those who were kind enough to pm me in due course.

Sorry if thisbis hard to read, I just got to work and typing on my phone is hard with my fat thumbs
Cheers

 

[bigsleep55]

Hey guys, anyone want a referral, PM me!

Cheers
D

 

[prozac]

Pm sent .

 

[Plutonus]

I think he meant if you want to be referred

Pm sent .

 

[prozac]

I think he meant if you want to be referred

lol. Yes, maybe you are right Plutonis. I may have jumped the gun esp. after the last one which was not the real deal.

 

[Beta4Me]

Pm sent .

I'm pretty sure he wanted to give not get a referral. Amiwrong?

 

[prozac]

I'm pretty sure he wanted to give not get a referral. Amiwrong?

No, yes you are not wrong as Plutonis has already kindly pointed out. lol.

 

[Beta4Me]

No, yes you are not wrong as Plutonis has already kindly pointed out. lol.

Wow. Being out in a regional area on my phone those posts did not appear when I replied :S

 

[prozac]

Wow. Being out in a regional area on my phone those posts did not appear when I replied :S

Yeah, Melbourne has always been more than a bit regional to us sydney-siders.

 

[dpeter]

I've currently got a DJ's Amex and want to apply for the Platinum Edge, anyone received any sign up bonuses being an existing customer?

 

[mitwg]

I've currently got a DJ's Amex and want to apply for the Platinum Edge, anyone received any sign up bonuses being an existing customer?

Although not recently, I referred a colleague at work last year and he already had an AMEX issued AMEX and he still received the bonus.

 

[luuuis]

anyone received any sign up bonuses being an existing customer?

Yes. I received a referral bonus as an existing AmEx customer when signing up for the Platinum Edge.

 

[mark4217]

Hi all, maybe a silly Q, but how do you refer a friend and get a bonus. I looked over the Amex site and couldn't find a thing. Forgive me if this is a no brainer.
Cheers