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Amex BCP Approved!

Regular Contributor

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)


01/04/17 Equifax FICO 788
01/04/17 Experian FICO 789
01/04/17 TransUnion FICO 784

Amex BCP $24,000 | Chase Freedom: $13,000 | Chase SR: $35,000 | Discover IT: $20,000 | PenFed Platinum: $32,000
Message 1 of 20
19 REPLIES
Valued Contributor

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
Message 2 of 20
Established Contributor

Re: Amex BCP Approved!

Congrats

Message 3 of 20
Valued Contributor

Re: Amex BCP Approved!

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 4 of 20
Established Contributor

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 850 EQ08 850 EX08 849

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; BofA TR Visa $18K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $50K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Message 5 of 20
Frequent Contributor

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 :/

Message 6 of 20
Established Contributor

Re: Amex BCP Approved!

Big congrats!
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Message 7 of 20
Highlighted
Valued Contributor

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!

Message 8 of 20
Regular Contributor

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?

 

 

 


01/04/17 Equifax FICO 788
01/04/17 Experian FICO 789
01/04/17 TransUnion FICO 784

Amex BCP $24,000 | Chase Freedom: $13,000 | Chase SR: $35,000 | Discover IT: $20,000 | PenFed Platinum: $32,000
Message 9 of 20
Regular Contributor

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
Message 10 of 20