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Contributor
Posts: 81
Registered: ‎05-06-2012
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Approved for my dream card, FIRMLY in the garden now!

[ Edited ]

 

When I started building my credit a year and a half ago, the BCE/BCP was the card I wanted the most. It's not metal or extremely flashy, but I think it looks nice and you can't beat 6% cashback on the majority of my purchases. I was initially denied for the card, so I applied for the Zync. Denied 3 times after getting a Zync, and after having the Zync for 11 months I was finally approved.


Very surprised I was approved as each credit bureau has 20+ inquiries. Granted, half of those inquiries are from shopping for an auto loan, but I went on an app spree in November 2012 and opened up about 8 new accounts. I used my Zync a decent amount; about $5k in 11 months. Not much spend, but that's 1/5th of my annual income, so they should be happy. Scores at the time of being approved were probably around 730, will find out when I get my paperwork. Ironic thing is, I was previously denied in November with 750+ scores. Go figure.

 

Really happy about this. 6% cash back on groceries and I can buy Walmart, gas station, and Amazon gift cards at my local grocery store, which means I'm effectively getting 6% cash back on the majority of my spending. I doubt I'll spend enough to hit the 6% cap, and even if I do, I have a Freedom and Discover IT which can be used for 5% to delay me hitting the cap. Getting married in a year, so my fiancee will be added to the card to maximize cash back.

 

Can't wait to get the card in the mail!

 

EDIT: Is there an annual fee for additional card members? The website isn't very clear, but I think it was telling me there isn't. If so, that's weird, as I pay $15/year for my sister to be added to my Zync account. I figure the BCP would have an even higher additional card member fee.

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Re: Approved for my dream card, FIRMLY in the garden now!

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Re: Approved for my dream card, FIRMLY in the garden now!

[ Edited ]

 


 

Congrats.  :smileyhappy:

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Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
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Re: Approved for my dream card, FIRMLY in the garden now!

What a difference a month makes:smileywink: Congrats and enjoy!

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Registered: ‎09-25-2011
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Re: Approved for my dream card, FIRMLY in the garden now!

remember it's technically a 4.75% grocery card after the $75 annual fee and $6,000 cap =(    (assuming you hit the limit)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
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Re: Approved for my dream card, FIRMLY in the garden now!

Congrats!
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Re: Approved for my dream card, FIRMLY in the garden now!

Congrats

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Re: Approved for my dream card, FIRMLY in the garden now!


distantarray wrote:

remember it's technically a 4.75% grocery card after the $75 annual fee and $6,000 cap =(    (assuming you hit the limit)


Thought they are giving a $150 bonus, so it would be the full 6% for the first 2 yrs. Right?

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Registered: ‎11-13-2012
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Re: Approved for my dream card, FIRMLY in the garden now!

cool...congrats! looking forward to this feeling in 2014 :smileyhappy:. ...see you in the garden!
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Re: Approved for my dream card, FIRMLY in the garden now!

Awesome!! That must feel good.
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