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Frequent Contributor
JaeJae12
Posts: 315
Registered: ‎04-15-2013

Dad was approved for Amex and chase

My father recently settled his charged off account on his credit report after 5years, and his credit score currently is 636, he hasn't had any credit card since the negative in his cr, today he applied for Amex BCE and chase freedom and was instantly approved. He got 3k limit for chase and the Amex BCE is uncertain yet till he received the card.

BCE- 18000 -BOA 123 7000 -Freedom- 7400-Citi Forward- 17700 -Citi TYP- 17800-CSP 22.5k
Garden mode 3/25/14



Valued Contributor
gdale6
Posts: 8,638
Registered: ‎12-13-2013

Re: Dad was approved for Amex and chase

Nice & congrats to your father.

EX Cred Ses 07/14: 770 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 07/14: 800
EQ Fico 05/14 781 ; EQ MPM 07/14: 738
TU Fico 8 07/14: 719; TU MPM 06/14 706
Senior Contributor
yudeology101
Posts: 4,584
Registered: ‎06-21-2012

Re: Dad was approved for Amex and chase

WTG Congrats to your DF!  He can call AMEX to find out what his initial starting CL is on his BCE.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $5k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $3.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | TJX $1.55k | +6more
Scores: EQ:660 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *6-20-14*
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Valued Contributor
-Wade-
Posts: 11,667
Registered: ‎08-13-2013

Re: Dad was approved for Amex and chase


JaeJae12 wrote:
My father recently settled his charged off account on his credit report after 5years, and his credit score currently is 636, he hasn't had any credit card since the negative in his cr, today he applied for Amex BCE and chase freedom and was instantly approved. He got 3k limit for chase and the Amex BCE is uncertain yet till he received the card.

Congrats to your DD on his approvals:smileyhappy:

*** Old user name newportguy*** Current Score: myFico EQ - 806 (04/04/2014) Discover TU Fico - 808 (07/03/2014) myFico EX - 804 ( 07/08/2014 ) myFico TU - XXX ( xx/xx/xx ) Amex - BCP 10 K * Discover - IT 10.5 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ****** FICO 800 Club Member ******* EQ 806 *** TU 808 *** EX 804 ***
****** ****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores
Valued Contributor
asphaltcowboy
Posts: 1,121
Registered: ‎02-03-2013

Re: Dad was approved for Amex and chase


JaeJae12 wrote:
My father recently settled his charged off account on his credit report after 5years, and his credit score currently is 636, he hasn't had any credit card since the negative in his cr, today he applied for Amex BCE and chase freedom and was instantly approved. He got 3k limit for chase and the Amex BCE is uncertain yet till he received the card.

Congrats to your Dad,

all the best to him!!




Starting Score TU 667 EQ 663 EX 655
Current Score TU 694 EQ 692 EX 696 Last Update 8/2013
Garden Club 04/10/2013 (Goal 2015 or Longer)




Mega Contributor
Creditaddict
Posts: 18,833
Registered: ‎10-23-2007

Re: Dad was approved for Amex and chase


JaeJae12 wrote:
My father recently settled his charged off account on his credit report after 5years, and his credit score currently is 636, he hasn't had any credit card since the negative in his cr, today he applied for Amex BCE and chase freedom and was instantly approved. He got 3k limit for chase and the Amex BCE is uncertain yet till he received the card.

would be interesting if you could post back when he received his letters for "The cost of credit to you" with his credit scores according to these lenders

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
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Lowest Limit: Buckle $250
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Valued Contributor
MsLadyRover
Posts: 2,727
Registered: ‎03-14-2012

Re: Dad was approved for Amex and chase

Congrats Dad!



Starting Score: 639 (Walmart TU)
Current Score: TU 699 (myFICO) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Established Contributor
efranklin23
Posts: 1,520
Registered: ‎11-14-2013

Re: Dad was approved for Amex and chase


JaeJae12 wrote:
My father recently settled his charged off account on his credit report after 5years, and his credit score currently is 636, he hasn't had any credit card since the negative in his cr, today he applied for Amex BCE and chase freedom and was instantly approved. He got 3k limit for chase and the Amex BCE is uncertain yet till he received the card.

Congrats to your dad on the new CCs. Have him call AMEX to find the CL right away. 


$13.5K$7.5K5.5K$9K$5K500
EQ-665 TU-680 EX-705 (as of 5-20-14)
Mega Contributor
coldnmn
Posts: 10,944
Registered: ‎08-08-2011

Re: Dad was approved for Amex and chase

Congrats to DD! Thanks for sharing.

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Valued Contributor
alvon123
Posts: 5,456
Registered: ‎09-24-2013

Re: Dad was approved for Amex and chase

congrats

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