How do I get rid of Amex Platinum?

To get rid of your Amex Platinum, you can cancel it directly by calling customer service, or consider downgrading to a no-annual-fee card like the Amex EveryDay if you want to keep your Membership Rewards (MR) points, as closing the card without another MR-earning card results in point forfeiture. Before canceling, pay off your balance, cancel auto-payments, and redeem rewards, then call the number on the back of your card to speak with a representative.

How to get rid of Amex Platinum?

To cancel your Amex Platinum, call the number on the back of your card or use online chat after paying balances, redeeming points, and preparing for potential loss of points/pro-rata fee refund, with calling being the most direct method to speak with a representative who will guide you through closing the account and confirm details like reason for cancellation. 

Does canceling Amex Platinum affect credit score?

Yes, canceling your Amex Platinum can affect your credit score, primarily by increasing your credit utilization ratio (due to lost credit limit) and potentially lowering your average account age, though the payment history remains for years; downgrading or keeping it open (if you can manage the fee) is often better for your score. 

How to get rid of old Amex Platinum?

All metal Card replacement and renewal packages contain a postage-paid return envelope for you to return metal Card back to American Express for destruction. If you do not have this envelope, please contact us at the number on the back of your Card.

Can I downgrade my Amex Platinum to a free card?

The Amex Gold and Amex Platinum cards can be downgraded to the Amex Green card ($150). There isn't a no fee card option to downgrade to.

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Can you cancel Amex Platinum to avoid annual fees?

To avoid the annual fee on your Platinum Card®, you should aim to cancel your card within 30 days of the closing date of the billing statement in which the fee is charged. If you wait more than 30 days after the statement closing date, the annual fee becomes non-refundable, and you'll be responsible for paying it.

Will downgrading my Amex affect my credit score?

No, downgrading your American Express (Amex) card generally does not negatively affect your credit score because it's a "product change" (not a new application), keeping the original account open, its history, and your credit limit intact, which helps preserve your credit utilization and length of history, unlike closing the card. This keeps your credit profile stable, avoiding score drops from increased utilization or a shorter history, but you'll trade premium perks for lower fees or simpler rewards. 

Is it better to close or just not use my Amex?

If you're not using your card, simply having an open card account may help your credit score in by affecting your credit utilization and length of credit history. Closing a credit card account may negatively affect both of those components of your credit score.

What is the 2 in 90 rule for American Express?

The Amex "2/90 Rule" (or 2-in-90 rule) means American Express (Amex) generally approves you for a maximum of two new credit cards within a 90-day period, with a third application in that window likely to be automatically denied. This rule applies specifically to Amex's traditional credit cards, not necessarily hybrid cards like the Platinum or Gold, though applying for too many Amex products too quickly can still trigger manual reviews or "pop-up jail" for welcome offers. 

How to destroy a metal credit?

Regular household scissors won't be sufficient to cut through metal, but metal snips or heavy-duty cutters should do the job. Wear protective gloves and eye protection to protect yourself from sharp pieces that may fly off when you're cutting.

How rare is an 800 credit score?

An 800 credit score is considered exceptional, and while not perfectly rare (around 22-24% of US consumers have scores in the 800+ range as of 2025), it's still an impressive achievement indicating high creditworthiness, placing you in a top tier for the best loan rates and offers. It shows lenders you're very responsible, with long payment histories and low credit usage.
 

How to get a 700 credit score in 30 days?

You can potentially boost your credit score towards 700 in 30 days by rapidly paying down credit card balances to lower utilization (under 30%, ideally 10%), paying bills on time (or even multiple times a month before reporting), getting added as an authorized user on a trusted account, disputing errors on your report, and strategically asking for credit limit increases, though a huge jump depends on your current profile. Focus heavily on reducing revolving debt and maintaining low balances to see fast results. 

Is it better to cancel a credit card or keep a zero balance?

It's generally better to leave a credit card open with a zero balance because it helps your credit score by lowering your credit utilization ratio and increasing your average credit history length, but closing it can be smart if you have a high annual fee, struggle with overspending, or want to simplify your finances. The main downside of closing is a potential temporary dip in your score due to reduced available credit. 

Does closing Amex Platinum hurt credit?

Does closing an Amex credit card affect your credit score? While closing a credit card account may not have a significant impact on your credit score, it could cause your score to drop temporarily — even if your account is in excellent standing.

What triggers Amex pop-up jail?

Since they already suspect you're abusing their welcome offers—hence why you're in Amex pop-up jail—if they see you're trying to apply for lots of their cards, they're less likely to allow you to get the welcome offer. You won't know if the pop-up has gone away if you don't apply for a new card.

Should I keep my Amex Platinum?

Why should I keep the Amex Platinum card after the first year? The Amex Platinum card comes with a high $895 annual fee, but it still may be worth it to keep the card, thanks to its many benefits, protections, insurance, statement credits, and high-value Membership Reward points.

What is the credit card limit for $70,000 salary?

The credit limit you can expect for a $70,000 salary across all your credit cards could be as much as $14000 to $21000, or even higher in some cases, according to our research. The exact amount depends heavily on multiple factors, like your credit score and how many credit lines you have open.

What is the hardest Amex card to get?

The hardest American Express card to get is the Centurion® Card, also known as the "Black Card," because it's strictly by invitation only, requiring immense spending on other Amex cards (rumored $350k+ annually) and high income (often $1M+), plus hefty fees ($10k initiation, $5k annual). It's a symbol for the ultra-wealthy, offering exclusive concierge services and elite perks, making it the pinnacle of Amex exclusivity.
 

What credit card has a $100,000 limit?

You can get a $100k credit limit on cards like the Chase Sapphire Preferred®/Reserve or premium Amex cards, but usually after building history; business cards like Brex can offer high limits from the start, requiring excellent credit, high income, and low utilization for such large limits. While some issuers don't advertise $100k limits, online reports show users reaching them on popular rewards cards like Chase Sapphire Preferred, though starting limits are much lower. 

Can I cancel Amex Platinum before my annual fee?

Yes, you can cancel your Amex Platinum card and get a full refund of the annual fee if you cancel within 30 days of the fee posting to your account; otherwise, the fee is generally non-refundable, though you should call Amex to confirm and explore options like retention offers or downgrading to avoid losing your Membership Rewards points. To avoid the fee, wait for it to appear on your statement, then contact Amex via chat or phone to cancel or ask for a waiver, ensuring you have another MR-earning card open to keep your points. 

How many people have $10,000 in credit card debt?

1 in 4 Americans who carry credit card balances currently owe $10,000 or more in credit card debt. Key insights from a survey of 1,447 Americans who have a credit card and do not pay their bills in full*:

What is the biggest killer of credit scores?

Your payment history accounts for 35% of your credit score, making it the most important factor. The later the payment, and the more recent it is in your credit history, the bigger the negative impact to your score. Plus, the higher your score is to start, the worse of a hit it will take.

What are the downsides of Amex Platinum?

Disadvantages of the Amex Platinum

High annual fee ($895) may be tough to justify without frequent travel (see rates and fees). Low earn rate (1x) on most purchases. No intro APR offer. Benefits require effort to fully use (e.g. monthly credits, specific enrollment).

How can I raise my credit score 100 points in 30 days?

For most people, increasing a credit score by 100 points in a month isn't going to happen. But if you pay your bills on time, eliminate your consumer debt, don't run large balances on your cards and maintain a mix of both consumer and secured borrowing, an increase in your credit could happen within months.

How to lower Amex Platinum fee?

4 Ways to Get Your Platinum Card® Annual Fee Waived

1. Call the retention line. You can ask Amex to waive the annual fee by calling (800) 452-3945. ...
2. Apply for the Amex Financial Relief Program. ...
3. Get a different version of the Platinum Card® ...
4. Other options.