Trying to figure out if I'm qualified to upgrade my Amex gold to platinum. Is there an Amex service you can call to ask? Don't want to apply and have my credit hurt if I'm rejected

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Call and ask. If they don't pull your credit report, there's no damage either way. Depending on your history on your Gold card, they might not need to pull your credit report.

And consider waiting till they have a sign on bonus. FYI, the soft pull for applying for a cc has a small and short lived impact on your credit. Even a hard pull won't move your fico by much (<5 point generally). Obj you don't want to over do it, but I apply for a few credit cards per year and have seen this improve my credit score significantly (having multiple credit cards is better for your fico score than having several soft pulls is bad). As a general note, I'd expect amex to want to see a credit score around 750 or above to give you platinum. Though, if you've had gold for a while they may be more liniment about this when you talk to them by phone

If you already have an Amex account in good standing, they're not likely to refuse your request to pay them more money. If it's the same credit line, they might make the change without pulling a credit report

EY1, Amex charge cards don't have stated credit limits.

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