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I sent in an application. How long will it take to receive a response?
Can I apply over the phone?
Can I apply over the web?
Is there any risk to applying for a card?
Is Platinum America's card a personal or a business loan?
Can I use the Platinum America card for any type of business?
Do you consider both my business and personal credit in making a decision on an application?
Will I be approved for a card given the complex nature of my financial situation or even if I have some blemishes on my personal or business credit history?
Does Platinum America report the card as a personal or business line of credit?
What type of credit line will I be approved for?
Can I get additional cards for my employees?
How did you get my name to send a credit card application?
What if I don't want to receive future offers from Platinum America?
How do I contact Platinum America if I have additional questions?
Q: I sent in an application. How long will it take to receive a response?
A:
Our goal is to process applications in two weeks or less, but given the extraordinary demand for our product, it can take as long as 4 weeks. If it has been longer than 4 weeks, please contact us. If you have not been approved for credit or have not received a written response to your application you may want to check the credit information and address on file with the national credit bureaus. If you are interested in monitoring your credit report with the national credit reporting agencies, click here.
Q: Can I apply over the phone?
A:
Platinum America does not take applications over the phone as a precaution against identity theft and fraud.
Q: Can I apply over the web?
A:
If you have received an invitation to apply in the mail, you can apply over the web using our secure application form. Just click on the "How to Apply" page to get started!
Q: Is there any risk to applying for a card?
A:
No. By applying for the card, you agree to abide by the terms and conditions of the card, but have no liability unless you use the card.
Q: Is Platinum America's card a personal or a business loan?
A:
It is a business loan, but the authorizing officer of each account also has personal responsibility to ensure that the account is paid as agreed.
Q: Can I use the Platinum America card for any type of business?
A:
Yes. If you have any type of business, interest in starting a business, or a commercial purpose for which you would like to have a credit card, please apply. Our credit card is specifically designed to meet your needs.
Q: Do you consider both my business and personal credit in making a decision on an application?
A:
Yes. This allows new businesses to establish a credit history and existing businesses to benefit from both the business and personal sides of their credit history.
Q: Will I be approved for a card given the complex nature of my financial situation or even if I have some blemishes on my personal or business credit history?
A:
Platinum America specializes in credit for businesses and therefore is more likely to understand the unique nature of a business person's complicated credit situation. As a result, Platinum America is able to be more aggressive in approving accounts and credit lines than most credit card companies.
Q: Does Platinum America report the card as a personal or business line of credit?
A:
Primarily, the line is reported as a business line of credit, allowing our customers to build a strong credit history in the name of their business while avoiding the complications to your personal credit of heavy credit activity. If an account fails to abide by the terms and conditions or does not pay as agreed, the line is then reported on both business and personal credit reports.
Q: What type of credit line will I be approved for?
A:
Platinum America specializes in only credit cards for small businesses, allowing us to offer some of the most generous credit lines in the industry.
Q: Can I get additional cards for my employees?
A:
Yes you can get cards for your employees and can control the credit line and usage of the card by employees as well as receive reporting on their usage each month.
Q: How did you get my name to send a credit card application?
A:
Platinum America carefully screens businesses to find only the best, most attractive firms. In addition, Platinum America uses the most aggressive fraud detection processes in the industry to ensure that only you can be approved for a card in your name.
Q: What if I don't want to receive future offers from Platinum America?
A:
If you do not want to receive future offers from Platinum America, please return the application in the supplied return envelope and simply write "Remove from mailing list" across the application. Be aware that it can take up to 8 weeks before this information is processed.
Q: How do I contact Platinum America if I have additional questions?
A:
Our contact information is listed on the Contact Us page of the website.
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