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Established Contributor
Posts: 961
Registered: ‎12-05-2013
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Re: Applied For The Amex BCP And Received 14 Day Notice

This is an extraordinary situation so amex trying to come up with an extraordinary deal like an invitation for the Centurion offer with the approval.
Discover IT $19,000 == 12/2013
AMEX 12/2013 ---BCP $12,000 === BC $23,000 ----- 04/2014
CHASE SLATE $5,700 === 12/2013
BoA 123 $6000 === 12/2013
Barclay Rewards $1500 == 12/2013
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Registered: ‎04-22-2013
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Re: Applied For The Amex BCP And Received 14 Day Notice


fused wrote:

Before I apped for the BCP card, I tried to get Amex to convert my old Clear Card, but no dice. The only way I was going to get a BCP card was to app, so I did.


Seems a lot of variation in whether you can convert.  I was unable to convert my BCP into a BC, and a lot of other people failed as well, basically being told it is not an available option, but then some people succeeded.  Never know why!

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Re: Applied For The Amex BCP And Received 14 Day Notice


-Wade- wrote:

fused wrote:

Before I apped for the BCP card, I tried to get Amex to convert my old Clear Card, but no dice. The only way I was going to get a BCP card was to app, so I did.


Fingers crossed for you.....wisjhing you the best of luck


Thanks! I just never expected to be waiting this long. Oh, well!

Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account
Moderator Emeritus
Posts: 16,382
Registered: ‎03-12-2007
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Re: Applied For The Amex BCP And Received 14 Day Notice


Fico2Go wrote:
This is an extraordinary situation so amex trying to come up with an extraordinary deal like an invitation for the Centurion offer with the approval.

I don't think I qualify for a Centurion Card.

Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account
Moderator Emeritus
Posts: 16,382
Registered: ‎03-12-2007
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Re: Applied For The Amex BCP And Received 14 Day Notice


longtimelurker wrote:

fused wrote:

Before I apped for the BCP card, I tried to get Amex to convert my old Clear Card, but no dice. The only way I was going to get a BCP card was to app, so I did.


Seems a lot of variation in whether you can convert.  I was unable to convert my BCP into a BC, and a lot of other people failed as well, basically being told it is not an available option, but then some people succeeded.  Never know why!


I called Amex several times to covert my Clear Card. I was hoping someone would just say Yes.

Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account
Valued Contributor
Posts: 12,963
Registered: ‎08-13-2013
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Re: Applied For The Amex BCP And Received 14 Day Notice


fused wrote:

-Wade- wrote:

fused wrote:

Before I apped for the BCP card, I tried to get Amex to convert my old Clear Card, but no dice. The only way I was going to get a BCP card was to app, so I did.


Fingers crossed for you.....wishing you the best of luck


Thanks! I just never expected to be waiting this long. Oh, well!


I know what you mean with your scores

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Moderator Emeritus
Posts: 16,382
Registered: ‎03-12-2007
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Re: Applied For The Amex BCP And Received 14 Day Notice

I called a new number I received from the Amex Credit Bureau Unit. I spoke with a pleasant gentleman who said my app looks great, but they're still trying "verify some things". He didn't give me any details on what they're trying to verify, tho. I'm wondering if an FR might be coming my way.

Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account
Valued Contributor
Posts: 12,963
Registered: ‎08-13-2013
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Re: Applied For The Amex BCP And Received 14 Day Notice


fused wrote:

I called a new number I received from the Amex Credit Bureau Unit. I spoke with a pleasant gentleman who said my app looks great, but they're still trying "verify some things". He didn't give me any details on what they're trying to verify, tho. I'm wondering if an FR might be coming my way.


To be honest it looks that way

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Established Contributor
Posts: 890
Registered: ‎04-28-2014
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Re: Applied For The Amex BCP And Received 14 Day Notice

Sounds like they're going to give you all the details in a letter. Since you didn't mention income, it's hard to say if total exposure is at issue. How recently did you close the 35k in additional tradelines? 


EX 812
TU 812
EQ 803
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Posts: 16,382
Registered: ‎03-12-2007
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Re: Applied For The Amex BCP And Received 14 Day Notice


Bman70 wrote:

Sounds like they're going to give you all the details in a letter. Since you didn't mention income, it's hard to say if total exposure is at issue. How recently did you close the 35k in additional tradelines? 


The tradelines were closed about 5, maybe 6 years ago. 

Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account

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