FlyerTalk Forums - View Single Post - 2019 Has anyone actually received a Centurion Card invite (except UK)?
Old Jan 17, 2019 | 6:16 am
  #28  
Rickie Cruz
 
Join Date: Mar 2018
Posts: 25
Originally Posted by YClass
Welcome to FT! And in the Amex community quite an opener. And welcome to the club . The inevitable questions will be: which country (US presumably), which State, how much did you spend and on what and for how many years and on which Amex cards...... (incidentally same would go for the Business Cent you used to have)....
Thank you. Always browsed the site for info but never posted. I had a business cent back in 07, which I simply called after a year and about 350-500k in business spend. Requested the card, they stated I qualified for it and a few days later it showed up (obviously after the typical phone convo confirming info etc...) Sold the business shortly after so closed the account.

Fast forward some years, in 2017 I opened a personal platinum card to replace my AA executive daily card. I travel maybe 6-8 times per year to a different country. My spend at the time (during the change of cards) was about 60k mo, so you can imagine I had to make an online payment to amex for 30-50k so they could allow me to spend. Maybe 3mo into the card I was put a limit. My spend was around 80-100k per month, so they stated that if I wanted to to raise my revolving limit and have it on auto pay without making any payments until payment is due I would need a limit of around 250k. I would be required to show close to 20M liquid as a reserve. I said, could not show that, and I did not mind paying my card 3-4 times per month. So they put me on a 50k limit, and for the last 1.5 years I simply pay it once it gets close to the limit. Obviously my balance is always revolving around 40kish, but I am always paying it... Never any issues. I maximize all of the AMEX services available to me. I have build amazing relationships within AMEX, so amazing that they even assigned a dedicated rep! I expressed my interest multiple times throughout the year, and had these great relationships reach out for me.

For the last few months I stopped reaching out, and finally got the call (which I was expecting a mail invite). Took a video of the call too, which I may share (to add value) later once I get the card.

I will tell you now that after receiving the invitation call, most of the comments/speculation regarding spend is mainly off. You can spend all you want on whatever you want to, but understand that its a two way street. AMEX needs way more than just $$ from you. It's a partnership at the end of the day. In my fashion business we call our customers are brand ambassadors/models. AMEX does the same. Their best customers are their best BA's

I have a decent social media following, and spend a lot of time dressing celebs, taking them out. Whether its me personally or someone in my brand, its definitely "that lifestyle." From Sept-Dec I was in Lake Como, Switzerland, Paris, Santorini, Hong Kong. Dinned in all the 3 star Michelin restaurants, and maybe spent around 50k in jewelry. 2 hours before I headed to the Airport in HK I went to the Peninsula Hotel with the intentions of having some tea with my wife and ended up buying a 30K Rolex at the store they have there. The Peninsula Hotel gave me a pretty cool gift bag! I suppose thats definitely part of it. During the year I maybe spent around 300k in watches. Total spend was around 1.2M, but I can see a lot of you have much higher spend. It's not just about the spend, nor is it about the FICO score too much, as my FICO score will go from 620-720 every month depending on what my balance shows on my other cards. I pay everything in full but sometimes they report when the balance is super high. I don't pay too much attention to it at all. I have never had an issue being approved for a jumbo loan, balloon for my 2-300k cars, none of that. Anyone who pulls my credit can clearly see I have a good amount of cashflow, and my debt-to-income ration is super low.

My absolute best advice if you really want one is to actually stop "trying" to get one. Be you, let AMEX see who you really are, as "gaming the system" to just get the card and stop using it is useless to them. I see a lot of people here trying. Its just like a lot of entrepreneur stories... Things always happen when you were just about to quit!

Will report back throughout the process.
Rickie Cruz is offline