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I just got approved for Amex BCE but...

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Legions36
Frequent Contributor

I just got approved for Amex BCE but...

I was instantly approved for BCE and I like that i'm in with Amex now but whats up with only an $800 line? If u look at my sig u can see i have some high limits. I do know the 61 day cli. Any input on this? I'm still happy im in because when i applied last year they denied me.

EQ-784 TU-777 EXP-772 12/11/15

NFCU(11.5k), USAA(6k), DCU(10k), Sapphire(5k), Duck(5k), Freedom(1k), Quicksilver(3k), DiscoverIT(2k), AmexBCE($800),
New cards 12/12-NFCU-MC(18.5k), Simplicity(9.2k),Slate(7.5k),Amex(3.8k)
Message 1 of 17
16 REPLIES 16
Beane
Regular Contributor

Re: I just got approved for Amex BCE but...

Most say recon is useless for Amex, so I'd just go for the 3xCLI in 61 days and then 3xCLI 6 months after.  You'll go from $800 to $7200 in 8 months.


FICO EQ: 733 TU: 727 CS FAKO EX: 737                                                                                               In the garden since 5/9/13
Message 2 of 17
john398
Senior Contributor

Re: I just got approved for Amex BCE but...

Maybe when they saw your $400 orchard they thought it didnt fit?? it does seem low though hows your current util?

Message 3 of 17
lg8302ch
Senior Contributor

Re: I just got approved for Amex BCE but...

How long have had these cards and limits?

edit: util, baddies, AAoA?

Message 4 of 17
coldnmn
Mega Contributor

Re: I just got approved for Amex BCE but...

Congrats! Strange that you didn't get a bigger limit they must not like something but at least your in. That's the biggest hurdle. 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 5 of 17
pizzadude
Credit Mentor

Re: I just got approved for Amex BCE but...


@Beane wrote:

Most say recon is useless for Amex, so I'd just go for the 3xCLI in 61 days and then 3xCLI 6 months after.  You'll go from $800 to $7200 in 8 months.


+1.   Sometimes AMEX gives out lower limits initally, but they're usally good with CLIs and always soft pulls too.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 6 of 17
Legions36
Frequent Contributor

Re: I just got approved for Amex BCE but...

Yeah im in so thats what i really wanted. I'm not complaining i just at least thought 4 fig easy.

Hey what do u guys think about other cards? I was thinking Quicksilver given the relationship i have with cap1 and then i could close that orch bank card and transfer my balance. Only thing i dont like is they hp all 3.

EQ-784 TU-777 EXP-772 12/11/15

NFCU(11.5k), USAA(6k), DCU(10k), Sapphire(5k), Duck(5k), Freedom(1k), Quicksilver(3k), DiscoverIT(2k), AmexBCE($800),
New cards 12/12-NFCU-MC(18.5k), Simplicity(9.2k),Slate(7.5k),Amex(3.8k)
Message 7 of 17
AyalaZero
New Contributor

Re: I just got approved for Amex BCE but...

Congrats.  I too got approved with only a 1k credit line.  You and I buddy, we will just do the 3xCL and soon we will look back and be like "I still remember when my AMEX was just a lil baby at 1k.... look at you now... 8 months and your already at 9k.  How the time flies..."  Ok, maybe a bit dramatic, but you get the point.  Smiley Happy

Starting Scores: Low 500's 2/27/08
Current Scores:Transunion: 700 02/13/15 Experian: 713 02/17/15 Equifax: 736 02/18/15
Goal Score: 770 Across the board!!
Message 8 of 17
alvon123
Super Contributor

Re: I just got approved for Amex BCE but...


@Beane wrote:

Most say recon is useless for Amex, so I'd just go for the 3xCLI in 61 days and then 3xCLI 6 months after.  You'll go from $800 to $7200 in 8 months.


+1


Message 9 of 17
mongstradamus
Super Contributor

Re: I just got approved for Amex BCE but...


@Legions36 wrote:

Yeah im in so thats what i really wanted. I'm not complaining i just at least thought 4 fig easy.

Hey what do u guys think about other cards? I was thinking Quicksilver given the relationship i have with cap1 and then i could close that orch bank card and transfer my balance. Only thing i dont like is they hp all 3.


I don't know if you could do an PC from an orchard card to cap one qs ? That would make it so you wouldn't have to get an hp on all 3 of the CRA. I did an PC from an no hassle reward cap one to the QS. Was pretty easy. I am not sure if you can do that with orchard also. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 10 of 17
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