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Amex BCE

Regular Contributor

Amex BCE

I checked their prequal and did not get any offers back.  Does Amex typically SP EX for the preapprovals?

Message 1 of 14
Established Member

Re: Amex BCE

I'm not sure on the SP, but I know the HP for me was EX.  I also had them come back with offers for multiple cards.  

Message 2 of 14
Regular Contributor

Re: Amex BCE

What was your EX score at the time? 

Message 3 of 14
New Contributor

Re: Amex BCE

It's pretty reasonable if they SP Experian for promotional offers given that they mostly use EX for credit desicions. However, they do also SP TransUnion.

Message 4 of 14
Regular Contributor

Re: Amex BCE

When Amex SP, are they pulling a current score? 

Message 5 of 14
Valued Contributor

Re: Amex BCE

Do you have any Amex credit cards already or would this be a first card?


I have no Amex cards and no prequalifications ever.  But my EX FICO8 was 710 so I cold apped for BCP and was instantly approved for $2000, and CLI to $6000 61 days later.


If your EX FICO8 is decent, just cold app.


Also, I had tons of new accounts and inquiries, still approved with an average FICO score.

Message 6 of 14
Regular Contributor

Re: Amex BCE

This would be my first Amex card.  My EX is 673 currently and I'm not sure if that will make the cut.  

Message 7 of 14
Established Contributor

Re: Amex BCE

Good luck with that!

Message 8 of 14
Senior Contributor

Re: Amex BCE

If you are unsure of are on the cusp, simply wait a bit until you aren't so that your chances for a favorable result.

Message 9 of 14
Regular Contributor

Re: Amex BCE

Hey prestige. I have a 670 EX. Just applied and approved for the BCE yesterday. For $1000. And then apprd for the Delta Blue Miles card and approved. NPSL. I've checked pre-qualified on their site for over a year and never got one. It was a cold app for me. YMMV

Fico TU 668 EQ 656 EX 671 (1/13/18)

1 collection charge off paid April '17 ($500 GTE FCU) went over 120+ days late on it account closed. PIF to CA

NFCU Cash Rewards-$2800 (1/13/18)
USAA Classic Platinum Visa-$1000 (1/13/18)
Discover IT-$10,000! (1/13/18)
AMEX BCE-$1000 (1/13/18)
AMEX Blue Delta SkyMiles-$1000 (1/13/18)
Care Credit-$7500(1/13/18)
Cap1 Platinum Preferred-$1000 (1/15/18)
Capital bank installment(credit builder) loan $1100 Feb '17(closed11/17)
Wal-Mart $5000 as of Nov '17 (SL $200 July '17)
Dillards $1000 July '17
Cap1 secured platinum ($50 deposit) May 17. $500. (CLI from 200 to 500 October '17)
Credit One-$450(April'17 $300)
Open sky secured card $400 Feb '17

FICO 08 02/6/17 TU 533 EQ 512 EX 522
Message 10 of 14