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Regular Contributor
drew11
Posts: 121
Registered: ‎06-20-2012
0

Amex BCP Approved!

Hi everybody! I applied last night for the Amex BCP (I've had my Amex Zync for 6 months now) and received the dreaded "Pending further review". It was too late for me to call in so I had to wait until today! I just got off the phone with the CSR and she said I was approved for the BCP with a $2k limit! I'm excited to start using the card and will be shooting for the CLI to $6k after the first 60 days. Thanks everyone for all of the support and motivation!

 

Age: 20

AAoA: 13 months

Income: $36k

Scores:

10/03/12 Equifax FICO 729

01/16/12 Credit Karma (TU) 744

01/16/12 Credit Sesame (Ex) 731

(Unsure which CRA Amex pulled so I will update with that info along with my FICO score when I receive the approval letter)

06/16/13 Equifax FICO 733
06/16/13 Experian FICO 745
06/16/13 TransUnion FICO 740

PenFed Platinum: $1000 | Chase Freedom: $5500 | Discover IT: $1500 | Amex BCP $17,600 | Chase CSP: $8000 | Chase Hyatt: $5000
Valued Contributor
MsLadyRover
Posts: 2,829
Registered: ‎03-14-2012
0

Re: Amex BCP Approved!

Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Amex BCP Approved!

Congrats

Valued Contributor
Epcot
Posts: 2,790
Registered: ‎10-10-2012
0

Re: Amex BCP Approved!

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
CribDuchess
Posts: 651
Registered: ‎09-12-2011
0

Re: Amex BCP Approved!

That's wonderful news - congratulations!!  You are off to a great start at such a young age.  Keep up the good work!

FICOs: TU08 841 6/3/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 810 6/10/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Simplicity Visa $15.1K; Discover IT $24K; Fidelity Amex $15K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Frequent Contributor
xiownthisplacex
Posts: 260
Registered: ‎08-29-2011
0

Re: Amex BCP Approved!

Congrats on your new card! But don't get it wrong, it's 61 days, not 60. Or else you will have to wait even longer :/


Starting Score Myfico EQ: 676 08/11/2011
Current Score: Amazon EQ Pull: 781 Walmart TU08: 782 AMEX EX Pull: 745 08/03/2014 Goal Score: 780+
Hover over image to see limits

NPSL$1,000$18,000$9,500$5,000$5,000$5,500$8,000$5,300$9,000$5,500$4,200$1,900$4,000$1,600
Established Contributor
ObeyJohnny12
Posts: 591
Registered: ‎05-05-2012
0

Re: Amex BCP Approved!

Big congrats!
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Valued Contributor
kevinjjc
Posts: 1,331
Registered: ‎01-14-2009
0

Re: Amex BCP Approved!


CribDuchess wrote:

That's wonderful news - congratulations!!  You are off to a great start at such a young age.  Keep up the good work!


+1. And he has a PenFed credit card! I'm thoroughly impressed!

Regular Contributor
drew11
Posts: 121
Registered: ‎06-20-2012
0

Re: Amex BCP Approved!

Haha you're right 61 days, my bad! Well I've got to hand my success to the members and information on this board (except for the penfed, I have my mother to thank for cosigning my very first credit card)!

 

My current plan is to use the BCP as my primary card for the next two months to hopefully succeed in the 3x CLI to 6k. Once the 6k CL posts, I'm going to apply for my last dream card, CSP.

 

Should I wait 6 months until this Amex inquiry ages a bit and my scores can recover or would you guys recommend applying right away once the 6k begins posting to the CRA's?

 

 

 

06/16/13 Equifax FICO 733
06/16/13 Experian FICO 745
06/16/13 TransUnion FICO 740

PenFed Platinum: $1000 | Chase Freedom: $5500 | Discover IT: $1500 | Amex BCP $17,600 | Chase CSP: $8000 | Chase Hyatt: $5000
Contributor
kwinks
Posts: 78
Registered: ‎07-15-2012
0

Re: Amex BCP Approved!

Hi congrats!

 

i applied for both cards together and got approved for both....our scores are almost identical so I think you should just get it over with....

 

btw I'm 20 too! A lot of people still don't believe I got the csp and bcp lol 

Chase Freedom 3000
Chase Sapphire Preferred 5000
American Express Blue Cash Preferred 6300
Bank of America Travel Rewards 5000
Bank of America Cash Rewards 3000
Discover IT 4000
Best Buy 4000
TU 733 EQ 743 EX 722

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