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Is today April Fools Day??? Amex BCE Approval

Established Contributor

Is today April Fools Day??? Amex BCE Approval

I just happened to check my preapproal offers like I do occasionally.   I've had prequalified offers from American Express a couple times in the last few months but I always blow them off because I figured I would still get denied.  

 

I have lots of old baddies on my file from 6+ years ago.  So I just assumed if I applied I would be denied or get a small 500 or 1000 approval. I've even stated that in a couple posts on here.  The baddes were chargeoffs that I went back and paid and a repo that I settled with.  

 

But everything has been paid on time since then and I do have a pretty long history with two mortgages, a few accounts that I was able to keep with some history, sams club mc, walmart, etc. 

 

Got the $250 welcome offer on the prequalify page today and decided to give it a shot.  Figured if I was approved, even for a small amount, I would get 250 out of the deal.  And if denied it would only be one inquiry. 

 

WEll,  I WAS APPROVED FOR 15000.   I almost fell out my chair.

 

I do have a few credit cards with limits that high and higher but just wasn't expecting Amex to jump in with that at the beginning.

 

Real kicker is they were one of the companies that charged off back in 2010.  I did go back and pay it ( about 1800) about 2 years ago.  

 

My current EX  fico is 698, with 2% utilization on about 200K available.   

 

 

 

 

Message 1 of 21
20 REPLIES
Established Contributor

Re: Is today April Fools Day??? Amex BCE Approval

Congratulations on the awesome approval!!

In the wallet:
Amex PRG ~ Amex BCE ~ Discover ~ NFCU Cash Rewards Visa Signature ~ NFCU Platinum Visa ~ NFCU Line of Credit ~ Chase Amazon Prime Visa Signature ~ PenFed Cash Rewards Visa ~ PenFed Promise Visa ~ Fairwinds Credit Union Cash Rewards Visa ~ CapOne QS1 ~ Lowes Store Card

Closed on mortgage 8/9/17!! Woot!
Message 2 of 21
Valued Contributor

Re: Is today April Fools Day??? Amex BCE Approval

Great starting CL you got there OP!

FICO 08 Scores (Oct-17): TU 810, EQ 813, EX 813

Message 3 of 21
Valued Contributor

Re: Is today April Fools Day??? Amex BCE Approval

Congratulations on your approval!! Very nice SL

State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (5,000) ~ PenFed Promise (6,000) ~ PenFed OLOC (500) ~ Discover ($1,000) ~ Citi DC (1,700) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (1,700) ~ NFCU CLOC (15,000) ~ QuickSilver Visa (10,300) ~ DCU Visa (5,000) ~ Chase Freedom Unlimited (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG Business (3,000) ~ Care Credit (15,000)
Current Scores (7/8/17): 682 Transunion, 648 Equifax, 673 Experian
Message 4 of 21
Established Contributor

Re: Is today April Fools Day??? Amex BCE Approval

Hi alottacards super congrats on your very awesome AMEX BCE approval! 😊
Message 5 of 21
Super Contributor

Re: Is today April Fools Day??? Amex BCE Approval

Knock Knock?
Message 6 of 21
Super Contributor

Re: Is today April Fools Day??? Amex BCE Approval

Who's There?
Message 7 of 21
Super Contributor

Re: Is today April Fools Day??? Amex BCE Approval

APRIL
Message 8 of 21
Super Contributor

Re: Is today April Fools Day??? Amex BCE Approval

APRIL WHO?
Message 9 of 21
Super Contributor

Re: Is today April Fools Day??? Amex BCE Approval

You FOOL, its May, why would April be Knocking? Smiley Wink
Message 10 of 21