Amex BCE Approval with thin file

Anonymous · ‎03-17-2017

My 19 year old daughter has a Discover student card SL $500, now at $1700 through SP Cli's and Capital One Journey SL $2000 now at $2700.
Both received in 6/16. She's also an AU on my 7 year old Capital One QS and 3 year old NFCU go rewards card.

Her discover 0% has ended and I'm a firm believer in 0% intros, so since I have a $100 referral offer from Amex, I advised her of perks of having a BCE. She's a full time student and working two part timers with roughly $22000 yearly gross. I had her apply and she was instantly approved for $14000. I'm like really!!!

Anonymous · ‎03-17-2017

congrats to your daughter. I've noticed the BCE really does like thin files.

pip3man · ‎03-17-2017

Wait she was approved for $1,400 or $14,000? On a $22k annual income!!! Wow.... congrats to DD! 😳

Anonymous · ‎03-17-2017

LOLthat's what she and I thought too, but it's $14k, two digits before the comma.

BronzeTrader · ‎03-18-2017

AmEx and Discover are good with thin files. But not Chase. They only like to give out fat bonus to fat rich people, who do not carry balances.

Glkslngr · ‎03-18-2017

Haha, wow! Congrats to her! That's a great thing you're doing having her as AU's on your accounts to help her build her credit while she is still relatively young. I wish my parents did that for me at that age!

Anonymous · ‎03-18-2017

Haha, @Veg325 me too. If it wasn't for this forum and all the information it provides, I wouldn't have known what a AU was let alone make the best of it.

kidink1911 · ‎03-18-2017

Congratulations on the AMEX BCE approval!

PERSONAL: AMEX Platinum- NPSL / AMEX Gold- NPSL / Macy's AMEX Card- $4,500 / SavorOne- $500 / PenFed Gold Visa- $5,000 / Venmo Visa - $20,000 / PayPal MC- $20,000 / PayPal Credit- $1,700 / NFCU Visa Signature cashRewards- $5,800 / AMEX Delta Platinum- $4,200 / NFCU More Rewards AMEX- $3,400 / NFCU Cash Rewards- $4,000 / Credit One Platinum Visa Rewards- $1,000 / Discover IT Chrome- $1,000 / Capital One Venture- $3,550 / AMEX Cash Magnet Card- $1,000 / Belk MC Card- $800 / Citi Shell Mastercard- $400 / Credit One AMEX- $800 / Capital One Spark- $700 / Capital One Platinum- $300 / Citibank Shell- $400 / Oportun Visa- $500 / Fifth Third Bank MC- $300
BUSINESS: American Express Business Platinum- NPSL / AMEX Hilton Honors Business Card- $3,000 / AMEX Delta Platinum Business Card- $3,000 / Marriott Bonvoy Business Card- $3,000 / American Express Business Gold- NPSL / American Express Business Green- NPSL / Sam's Club Business Mastercard- $20,000 / Floor and Decor Pro Premier Business- $20,000 / Phillips 66-Conoco-76 Business Gas Card- $5,000 / Walmart Community Credit Line- $5,000 / Fuelman Mastercard- $3,000 / Amazon Synchrony Business Credit Line- $5,000 / Lowe's Business Credit- $5,000 / Office Depot Commercial Credit- $2,500 / Tractor Supply Company Business- $1,500 / Citi Exxon/Mobil Business Gas Card- $3,000 / Speedway Business Mastercard- $4,500

AverageJoesCredit · ‎03-19-2017

Sweet approval

. Just goes to show income isnt everything