Got Approved for AMEX Gold and BCE (Updated)

thecentury303 · ‎06-20-2013

Hi everyone, I hope you guys are doing well,

I asked about my chance of getting an AMEX card several days ago here. The majority said that I should wait more before pulling my trigger.

However, because Heat come back before the half time, I feel like today is a good day to apply lol.

So at the NBA final half time, I pulled my trigger for AMEX Gold charge card as I have a pre-screened offer of 25,000 points after $1,000 spending for Gold. So I choose Gold rather than lovely PRG. Surprisingly, I got instant approval!

Then, I have heard that if I appy for two AMEX card in one day, it might be only 1 hard pull. So I went ahead and apply for BCE, which I the card that I really want in the first place. Again, surprisingly, it is an instant approval with 2,000 CL.

My profile:

AAoA 6 months, Oldest account 9 months

existing CL: CU $1500, Chase Freedom $1500, Discover IT $1500, CapOne Platinum for Newcomer $1500

Inquiries:

TU -> 8 in the last 12 months, 3 in the last 6 months, 2 in the last 3 months.

EX -> 3 in the last 12 months, 1 in the last 6 months, 1 in the last 3 months.

EQ -> 4 in the last 12 months, 2 in the last 6 months, 1 in the last 3 months.

Credit Score: CK 721, CreditSesame 718, Credit.com 723.

7% util on one card. 0% for the rest.

Annual Income 20K, Asset 25K

My question: Is it true that I will get only one hard inquiry?

[Update: 06/26/2013]

Just got my two cards today. So far, only 1 inquiry appear in both EX and TU. Finger Crossed

Capital One Cash Rewards for New Comer: $1,500 (09/12), Local Credit Union: $1,500 (10/12), Chase Freedom: $1,500 (04/13), Discover IT: $2,100 (04/13), AMEX Gold Charge Card: NPSL (06/13), AMEX BCE: $6,000 (06/13), Chase United Explorer: $6,000 (10/13), Chase Ink Cash: $3,000 (10/13), Barclays Arrival Platinum: $3,000 (10/13), US Bank Flexperk Travel Rewards: $5,000 (01/14), Capital One Venture: $5,000 (01/14), Citi AA World MC: $6,500 (01/14),Citi AA Executive World Elite MC: $5,000 (01/14)

myjourney · ‎06-20-2013

Congrats X2

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

GaTech · ‎06-20-2013

You'll find out. I'll bet they triple pull your credit reports since you seem like borderline approval. Congrats though!

As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000

thecentury303 · ‎06-20-2013

Actually I wouldn't mind if they triple pull me. I am just wondering if it will be 1x3 or 2x3. However, I am super happy anyway lol

Capital One Cash Rewards for New Comer: $1,500 (09/12), Local Credit Union: $1,500 (10/12), Chase Freedom: $1,500 (04/13), Discover IT: $2,100 (04/13), AMEX Gold Charge Card: NPSL (06/13), AMEX BCE: $6,000 (06/13), Chase United Explorer: $6,000 (10/13), Chase Ink Cash: $3,000 (10/13), Barclays Arrival Platinum: $3,000 (10/13), US Bank Flexperk Travel Rewards: $5,000 (01/14), Capital One Venture: $5,000 (01/14), Citi AA World MC: $6,500 (01/14),Citi AA Executive World Elite MC: $5,000 (01/14)

09Lexie · ‎06-20-2013

Congrats x2!

Welcome to the Amex Family!

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djc1puno · ‎06-20-2013

congrats!

GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---

HiLine · ‎06-20-2013

Congratulations!!!

Regarding the question, you'll find out. What's done is done - speculation is redundant at this point.

---> HiLine's personal finance blog - Follow my journey!

MsLadyRover · ‎06-21-2013

Congratulations on your 2 new cards!

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!)
Take the FICO Fitness Challenge

thecentury303 · ‎06-21-2013

Earlier today, Creditkarma alerted me that there is one inquiry posted on my credit report. No idea about EQ or EX at this moment.

Capital One Cash Rewards for New Comer: $1,500 (09/12), Local Credit Union: $1,500 (10/12), Chase Freedom: $1,500 (04/13), Discover IT: $2,100 (04/13), AMEX Gold Charge Card: NPSL (06/13), AMEX BCE: $6,000 (06/13), Chase United Explorer: $6,000 (10/13), Chase Ink Cash: $3,000 (10/13), Barclays Arrival Platinum: $3,000 (10/13), US Bank Flexperk Travel Rewards: $5,000 (01/14), Capital One Venture: $5,000 (01/14), Citi AA World MC: $6,500 (01/14),Citi AA Executive World Elite MC: $5,000 (01/14)

hot4u · ‎06-21-2013

Congrats.............

(Chase)- Freedom, CSP®, United MileagePlus® Explorer, Marriott Rewards® Premier, Penfed cash+ rewards/Promise/Defender.
Amex’s- BCE, Hilton, SPG®, PRG® and Blue®, NFCU Cash Rewards, FHB Destinations World Elite.
- Amex Centurion,(Citi) Executive/Platinum® Advantage

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