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Dad was approved for Amex and chase

Frequent Contributor

Dad was approved for Amex and chase

My father recently settled his charged off account on his credit report after 5years, and his credit score currently is 636, he hasn't had any credit card since the negative in his cr, today he applied for Amex BCE and chase freedom and was instantly approved. He got 3k limit for chase and the Amex BCE is uncertain yet till he received the card.

BCE- 34500 -BOA 123 48000 -Freedom unlimited-35000- Citi Forward- 50000 -Citi DC- 98000-Prestige 50000-CSR 35000
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Message 1 of 10
9 REPLIES
Moderator

Re: Dad was approved for Amex and chase

Nice & congrats to your father.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 2 of 10
Senior Contributor

Re: Dad was approved for Amex and chase

WTG Congrats to your DF!  He can call AMEX to find out what his initial starting CL is on his BCE.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 3 of 10
Valued Contributor

Re: Dad was approved for Amex and chase


JaeJae12 wrote:
My father recently settled his charged off account on his credit report after 5years, and his credit score currently is 636, he hasn't had any credit card since the negative in his cr, today he applied for Amex BCE and chase freedom and was instantly approved. He got 3k limit for chase and the Amex BCE is uncertain yet till he received the card.

Congrats to your DD on his approvalsSmiley Happy

"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 ******
Message 4 of 10
Valued Contributor

Re: Dad was approved for Amex and chase


JaeJae12 wrote:
My father recently settled his charged off account on his credit report after 5years, and his credit score currently is 636, he hasn't had any credit card since the negative in his cr, today he applied for Amex BCE and chase freedom and was instantly approved. He got 3k limit for chase and the Amex BCE is uncertain yet till he received the card.

Congrats to your Dad,

all the best to him!!


Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
Message 5 of 10
Epic Contributor

Re: Dad was approved for Amex and chase


JaeJae12 wrote:
My father recently settled his charged off account on his credit report after 5years, and his credit score currently is 636, he hasn't had any credit card since the negative in his cr, today he applied for Amex BCE and chase freedom and was instantly approved. He got 3k limit for chase and the Amex BCE is uncertain yet till he received the card.

would be interesting if you could post back when he received his letters for "The cost of credit to you" with his credit scores according to these lenders

Message 6 of 10
Highlighted
Valued Contributor

Re: Dad was approved for Amex and chase

Congrats Dad!



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!)

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Message 7 of 10
Valued Contributor

Re: Dad was approved for Amex and chase


JaeJae12 wrote:
My father recently settled his charged off account on his credit report after 5years, and his credit score currently is 636, he hasn't had any credit card since the negative in his cr, today he applied for Amex BCE and chase freedom and was instantly approved. He got 3k limit for chase and the Amex BCE is uncertain yet till he received the card.

Congrats to your dad on the new CCs. Have him call AMEX to find the CL right away. 

AMEX BCE (30K), DISCOVER IT (29.5K), NFCU CASH REWARDS (25K), BOA TRAVEL REWARDS (15K), USAA VISA (13K), CHASE SAPPHIRE RESERVE (13K), COMMENCE MASTERCARD (7.5K), CHASE FREEDOM (7K), CHASE FREEDOM (7K), TFCU CC (2.5K), TARGET REDCARD (900)
Message 8 of 10
Mega Contributor

Re: Dad was approved for Amex and chase

Congrats to DD! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 9 of 10
Senior Contributor

Re: Dad was approved for Amex and chase

congrats


Message 10 of 10