http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1638210#M452842 <p>I hate how CC companies beat around the bush.</p><p> </p> Thu, 11 Oct 2012 20:41:45 GMT migliogiorni 2012-10-11T20:41:45Z http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1622966#M448067 <p>They said my EX FICO was 702 (Fako was 681 at the time).</p><p> </p><p>Listed the following detractors from FICO score:</p><p> </p><p>Loan balances too high.</p><p>Account history too short (I have 2 cards that are less than 1 year old).</p><p>Too many recent inquiries (4 in last 2 years, 2 in last year).</p><p>Credit limits too low.</p><p>Collection / Derogatory status on account.</p><p> </p><p>All that and I still got approved for a $10K CL.</p> Wed, 03 Oct 2012 17:05:42 GMT http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1622966#M448067 SubseaEngineer 2012-10-03T17:05:42Z http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1622988#M448071 <p>Must be your income.</p> Wed, 03 Oct 2012 17:12:37 GMT http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1622988#M448071 tylaw13 2012-10-03T17:12:37Z http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1623056#M448086 <p>Congrats! Do you mind sharing your approximate income?</p> Wed, 03 Oct 2012 17:38:32 GMT http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1623056#M448086 rtw 2012-10-03T17:38:32Z http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1623154#M448111 <p>Congrats on your approval and the excellent CL!!  Geez, my Exp score is 704 and income is 80,000, and I got denied for the BCP.  Had a 30 day late in Apr. 2011 and also a few recent inquiries.  Will keep trying. </p> Wed, 03 Oct 2012 18:12:05 GMT http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1623154#M448111 koalablue 2012-10-03T18:12:05Z http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1623168#M448112 <p>If you feel comfortable.. what is the stated income?</p> Wed, 03 Oct 2012 18:23:36 GMT http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1623168#M448112 Tommy5746 2012-10-03T18:23:36Z http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1623244#M448134 <p>Congrats</p><p> </p><p>Nice letter, but who cares if one receives the card and 10k :smileyvery-happy:</p><p> </p> Wed, 03 Oct 2012 19:09:41 GMT http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1623244#M448134 shakalaka 2012-10-03T19:09:41Z http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1623288#M448149 <p>About $135K, had a mortgage for a year, last 30-day late was 3+ years ago. I've had student loans issued since 2005, no lates at all.  A few 60+ that fall off my credit report by January 2013, and 1  collection that falls off in November.</p> Wed, 03 Oct 2012 19:23:24 GMT http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1623288#M448149 SubseaEngineer 2012-10-03T19:23:24Z http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1623636#M448268 Congrats!!!<br>Niiice! I got $3500 on BCE. Did you not have very much existing open cred? I feel like I'm to the point where I have too much avail cred, and that is why I got a lower limit... My TU Fico from Amex was 696. I might need to actually have some lines lowered to get that 3xcli everyone talks about on here lol... Never thought Id see the day when I'd considering asking for a CLD lololllll Wed, 03 Oct 2012 22:24:14 GMT http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1623636#M448268 youngandcreditwrthy 2012-10-03T22:24:14Z http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1637664#M452693 <p>No, didnt have much available.  2 sears cards about 85% each (just bought new appliances).  My discover ($4K Limit) was reporting at about... 25% utilization, showing a high balance previously that was about 75%.</p><blockquote><hr>youngandcreditwrthy wrote:<br>Congrats!!!<br>Niiice! I got $3500 on BCE. Did you not have very much existing open cred? I feel like I'm to the point where I have too much avail cred, and that is why I got a lower limit... My TU Fico from Amex was 696. I might need to actually have some lines lowered to get that 3xcli everyone talks about on here lol... Never thought Id see the day when I'd considering asking for a CLD lololllll<hr></blockquote><p> </p><p> </p><p>2 other cards less than 5% utilization.</p> Thu, 11 Oct 2012 16:29:35 GMT http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1637664#M452693 SubseaEngineer 2012-10-11T16:29:35Z http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1637692#M452696 <p>List of reasons you didn't get a better rate just means you get a free copy of your credit score :)</p> Thu, 11 Oct 2012 16:52:11 GMT http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1637692#M452696 lanc 2012-10-11T16:52:11Z http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1638176#M452830 <p>Congrats!!</p> Thu, 11 Oct 2012 20:22:03 GMT http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1638176#M452830 EandK23 2012-10-11T20:22:03Z http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1638210#M452842 <p>I hate how CC companies beat around the bush.</p><p> </p> Thu, 11 Oct 2012 20:41:45 GMT http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1638210#M452842 migliogiorni 2012-10-11T20:41:45Z http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1638270#M452858 <p>Congrats</p> Thu, 11 Oct 2012 21:07:21 GMT http://ficoforums.myfico.com/t5/Credit-Cards/My-AMEX-BCP-Acceptance-Letter/m-p/1638270#M452858 Cadillac-XTS 2012-10-11T21:07:21Z