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Forums Payment cards American Express Question on moving to Platinum

  • 6 posts

    Hi all, Looking for a hand on my Amex card strategy. I have the BAPP, my first Amex from when the 75k bonus was offered earlier this year, and triggered the voucher recently. I am interested in the Platinum card given the increased sign-up bonus introduced, but will take a lot of effort to hit the £10k spend!

    My questions are:

    If I downgrade from BAPP to Blue, is there any difference in doing this before applying for the Platinum, or best to wait until accepted?

    Am I missing anything that I should be considering?

    Thanks in advance!

    1,367 posts

    Downgrading will not have any impact. You can even ask for a retention bonus before downgrading.
    What will matter is your credit limit. If it’s too high relative to your income, your platinum application might be declined.

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