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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

BCP Approved (oh and official 700+ EX club)

The joys of backdating and the desire to get this card was too much.  The approval wasn't instant and it listed the same negative factors as previously listed (serious delinquency, time since delinquency too recent, loan balance high - Student loans, and too many inquiries in 12 months - 4).  After calling and getting transferred to special delivery people - they are UPSing my card to me, I was approved!

 

The EX score they gave me was 724 at Zero APR for first 6 months then 19 APR (Not happy about that) and a Initial  CL 8.4k (HURRAY  This is so much higher than the 2k ICL I got with my Delta card).  I checked USAA and they only pulled EX (no triple pull this time).

 

Back to the garden for me.  On radar - CSP and SPG with a little Citi Foward thrown into the mix :smileyhappy:  Happy New Year MyFICO!



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: BCP Approved (oh and official 700+ EX club)

 

Congrats on joining the 700 club and also on the BCP approval !  :smileyhappy:

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: BCP Approved (oh and official 700+ EX club)

Congrats! This card is the only one I want. Applied yesterday and still waiting for a decision.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: BCP Approved (oh and official 700+ EX club)

Thanks.  I found it interesting that my ICL was slightly above my highest spend on my Zync card (I had charged 8.3k to it last month and already PIF).  Wonder if this is related to the odd amount on the ICL (8.4k is a strange number).  This gives me 4 of my now 9 cards with CL's above 5k.  Delta 6k, BCP 8.4k, Walmart Discover 5.4k (another strange number but this was 3x my ICL) and NFCU, the grand daddy of them all, at 25k.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 446
Registered: ‎08-31-2007
0

Re: BCP Approved (oh and official 700+ EX club)

Congrats!!

Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
0

Re: BCP Approved (oh and official 700+ EX club)

When did you apply?
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: BCP Approved (oh and official 700+ EX club)

Yesterday around 9 am. I gave it 24 hr then called.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
0

Re: BCP Approved (oh and official 700+ EX club)

They told you your score by the phone? They wouldnt tell me it when i called. congrats btw!
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: BCP Approved (oh and official 700+ EX club)

wow Duncan you step out the garden already.......Nice......


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: BCP Approved (oh and official 700+ EX club)

It was a surgical strike not a spree :smileywink:. One and done. I'm sure Amex feels a little dirty today after this one night stand.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
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