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AMEX BCE...

Established Contributor

AMEX BCE...

So. I'm thinking I want my next card to be the BCE. BUT, one of my main goals is to get into the 5 digits. I wanted to use the 3x CLI to get AT LEAST to the 10k mark. In order for me to do that, I'd need to be approved for AT LEAST 3.5k.

 

Here is my current profile, and maybe you guys can give me feedback:

 

1st Financial Bank USA 07/08: $0/6400 (23% APR)

Wells Fargo Bank 08/08: $0/3600 (20.55% APR)

AMEX Green 06/12: NPSL

Citi Thank you Preferred 07/12: 4100/4200 (0% till March 14'. Then 15.99% APR)

Chase Sapphire Preferred 03/13': 0/5000 (15.24% APR)

 

Do you guys think i'd be approved for a MIN line of 3500?

 

Chase Sapphire Reserve-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
16 REPLIES
Senior Contributor

Re: AMEX BCE...

Score and income? Do you plan to pay down Citi?
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....Last HP 01 NOV 2016...............
Frequent Contributor

Re: AMEX BCE...

Hard to say would depend on income scores Id wsit until I had csp at least 6 months.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


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Established Contributor

Re: AMEX BCE...

Oh yea. Forgot to include those...lol.

 

Score, TU 704, EQ 674

 

Never been late, no baddies whatsoever...However, these are WITHOUT my CSP. Or my CLI. I have not received an updated fico score yet because I wanted to wait before my CSP reported. I will be doing that in the next few days or so since my statement cut off was just yesterday.

Chase Sapphire Reserve-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Established Contributor

Re: AMEX BCE...

Forgot to include my income too...hahaha

 

between 40-43k. 

Chase Sapphire Reserve-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Moderator Emerita

Re: AMEX BCE...

New Member

Re: AMEX BCE...

I got approved for a 4k credit line for a BCE about a month ago at 757 TU and 40k income.

Established Contributor

Re: AMEX BCE...

No...not the exact question. With Citi, I was wondering about the CLI. But My main question now is if people have similar credit profiles as I do, and have gotten approved for the BCE of at least 3500. I have a good feeling I'd get approved for the BCE, but I want to get approved for AT LEAST 3500. If I got 2k and after the 61 days, got it up to 6k, that's not what I'm looking for. I wanna get to at least 10k lol. Maybe even 9 or 8k...but def shooting for the 5 digit mark. I don't have a revolving account with Amex, so I'm not sure how strict or lenient they are on CL's.
Chase Sapphire Reserve-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Valued Contributor

Re: AMEX BCE...

And what is the alternative?  Asking for CLI's on existing cards.

 

Even if the 61 day doesn't get you 10K, another after 6 more months should, so why not apply and see what you get?

 

Also, why is 10K so critical?  Is this for a definite need or for self-image!

Mega Contributor

Re: AMEX BCE...

I would be concerned about the maxed Citi card. Everything else looks good for the 3-4k CL.




EQ FICO 548 3/3/16