cancel
Showing results for 
Search instead for 
Did you mean: 

AMEX BCE BT?

Valued Contributor

AMEX BCE BT?

I am a new AMEX card holder - it hasn't even reported yet!

 

I have a balance on a Firestone card of about $480 that I won't be able to pay off before the promo period ends and am thinking about transferring it to my AMEX (I have until 4/21 to do the BT). 


Are they sensitive to BTs on new accounts? I need to have it paid by 4/15 on my FS card but can pay it off by mid-May on my AMEX. So it won't sit for long, but I don't want to do anything to jeopardize my 3x CLI (which the 61st day is 4/21, which is the last day for a BT as well).

11/2017: EX 704 | TU 720 | EQ 672 -- Starting (2/2016): 630 | 620 | 580 -- INQs: 17 | 26 | 28 (last 6 months: 5 | 2 | 6)
AMEX Delta: $10k, Marvel: $8k, Discover IT: $7.2k, AMEX BCE: $6k, Target MC: $5k, PayPal 2%: $8k, CO QS: $2.6k, Merrick: $1.6k, Barclay's NFL Rewards: $1k, CO BuyPower: $500. And a mix of well-loved store cards.
4 REPLIES
Valued Member

Re: AMEX BCE BT?

Mine was super easy and quick... done in less than one calendar week! And I did the transfer 3 days after receiving the card! Buuuuuut my 61 days hasn't come up yet so I guess I can't answer your real question. But why not just wait until after its paid? It's only one more month... or am I missing something important?
TU: 751 EQ: 724 EX: 729 (2/13/17)


Valued Contributor

Re: AMEX BCE BT?


MrsCHX wrote:

I am a new AMEX card holder - it hasn't even reported yet!

 

I have a balance on a Firestone card of about $480 that I won't be able to pay off before the promo period ends and am thinking about transferring it to my AMEX (I have until 4/21 to do the BT). 


Are they sensitive to BTs on new accounts? I need to have it paid by 4/15 on my FS card but can pay it off by mid-May on my AMEX. So it won't sit for long, but I don't want to do anything to jeopardize my 3x CLI (which the 61st day is 4/21, which is the last day for a BT as well).


The only thing that would spook them is if you made the BT, continued adding charges to the card, and were making minimum payments. If you BT to the card, don't add additional charges, and pay more than your minimums, you're exhibiting good borrower behavior, and likely to be rewarded. 

 



Starting scores: 552 EQ, 570 TU, 558 EX Current scores (9/29/17): 746 EQ 721 TU 719 EX
Valued Contributor

Re: AMEX BCE BT?


jaysgirl42671 wrote:
Mine was super easy and quick... done in less than one calendar week! And I did the transfer 3 days after receiving the card! Buuuuuut my 61 days hasn't come up yet so I guess I can't answer your real question. But why not just wait until after its paid? It's only one more month... or am I missing something important?

Oh that's a good point. You're right, the transferred balance would sit there for no more than 3 weeks after the "61 day" date so I can just wait. 

 

Isn't it funny how sometimes the simplest solutions escape us?! 

11/2017: EX 704 | TU 720 | EQ 672 -- Starting (2/2016): 630 | 620 | 580 -- INQs: 17 | 26 | 28 (last 6 months: 5 | 2 | 6)
AMEX Delta: $10k, Marvel: $8k, Discover IT: $7.2k, AMEX BCE: $6k, Target MC: $5k, PayPal 2%: $8k, CO QS: $2.6k, Merrick: $1.6k, Barclay's NFL Rewards: $1k, CO BuyPower: $500. And a mix of well-loved store cards.
Highlighted
Valued Contributor

Re: AMEX BCE BT?

Good to know!! 

11/2017: EX 704 | TU 720 | EQ 672 -- Starting (2/2016): 630 | 620 | 580 -- INQs: 17 | 26 | 28 (last 6 months: 5 | 2 | 6)
AMEX Delta: $10k, Marvel: $8k, Discover IT: $7.2k, AMEX BCE: $6k, Target MC: $5k, PayPal 2%: $8k, CO QS: $2.6k, Merrick: $1.6k, Barclay's NFL Rewards: $1k, CO BuyPower: $500. And a mix of well-loved store cards.