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Frequent Contributor
Posts: 371
Registered: ‎04-15-2013
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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- 34000 -BOA 123 14400 -Freedom- 33000- Citi Forward- 22000 -Citi DC- 29000-CSP 38.5k
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Senior Contributor
Posts: 19,037
Registered: ‎12-13-2013
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Re: Dad was approved for Amex and chase

Nice & congrats to your father.

EX Fico 08 BC 04/15: 790 (0); EX Fico 04 V2 06/14: 775
EQ Beacon 5.0 12/14 757
TU Fico 8 04/15: 757 (0)
Senior Contributor
Posts: 4,654
Registered: ‎06-21-2012
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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 | +13more
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Overall UTIL: 14% *Gardening Since: 9/12/14*
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Valued Contributor
Posts: 12,906
Registered: ‎08-13-2013
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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 approvals:smileyhappy:

Old user name newportguy*** Current Score: myFico EQ - 828 (03/11/2015) Discover TU Fico - 826 (03/03/2015) EX Fico - 821 ( 03/01/2015 ) ******* Amex - BCP 10 K * Discover - IT 12 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ******FICO 800 Club Member ******* EQ 828 *** TU 826 *** EX 821 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Valued Contributor
Posts: 1,200
Registered: ‎02-03-2013
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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 752 EQ 749 EX 757 Last Update 3/2015
Garden Club 04/10/2013 (Goal 2015 or Longer)



Epic Contributor
Posts: 24,407
Registered: ‎10-23-2007
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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

Fico Scores: EQ- 670., TU 705 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
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Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
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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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Valued Contributor
Posts: 1,569
Registered: ‎11-14-2013
0

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. 

$13.5K$7K8.5K$15K$5K1K
$5K

EQ-683 TU-724 EX-722 (as of 5-1-15)
Mega Contributor
Posts: 16,684
Registered: ‎08-08-2011
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Re: Dad was approved for Amex and chase

Congrats to DD! Thanks for sharing.

Senior Contributor
Posts: 10,038
Registered: ‎09-24-2013
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Re: Dad was approved for Amex and chase

congrats

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