Surprise Approval for AMEX BCE

Anonymous · ‎06-27-2016

After about a year of disputing and paying of debt (credit to these forums), I've finally been approved for a AMEX card. EX Fico 8 715 with 3 30 day lates in 2013, 40% ULT (mostly AU cards) and 2 existing INQs. I thought it was sure to be declined when I got the 14 day message then remembered that I have a fraud alert on my CRs. Biggest surprise was the 10k SL.... They matched my highest CL

Anonymous · ‎06-27-2016

@Anonymous wrote:
After about a year of disputing and paying of debt (credit to these forums), I've finally been approved for a AMEX card. EX Fico 8 715 with 3 30 day lates in 2013, 40% ULT (mostly AU cards) and 2 existing INQs. I thought it was sure to be declined when I got the 14 day message then remembered that I have a fraud alert on my CRs. Biggest surprise was the 10k SL.... They matched my highest CL

Great job!!!! I cant even get a CLI with them and they are by far my lowest CL by $9,000 lol. Congrats again.

Anonymous · ‎06-27-2016

Congrats, they started me off with my highest limit at 10,000 too

Anonymous · ‎06-27-2016

Nice job on adding a solid card with a solid SL!

Anonymous · ‎06-28-2016

Congrats

Anonymous · ‎06-28-2016

Nice, congrats on the approval

Anonymous · ‎06-28-2016

congrats

alextercero · ‎06-28-2016

Congrats

Current Credit Cards

NFCU More Rewards | CL $3000 @ 18.00% APR| 08/2021

Capital One Quicksilver One | CL $6000 @ 31.99% APR 39.00 AF | 09/2021

Capital One Quicksilver | CL $4000 @ 31.99% APR | 02/2022

NFCU Cash Rewards | CL $1500 @ 18.00% APR | 06/2022

Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (April 2024)

Credit Age:

Inquiries:

RonM21 · ‎06-29-2016

Nice! Congrats

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping