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Established Contributor
Posts: 586
Registered: ‎02-22-2011
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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?

 

CL-5kNPSLCL-3.6kCL-4kCL-7.5kCL-7kCL 7.9kCL-4.2k
GARDENING SINCE 07/13/13
Community Leader
Senior Contributor
Posts: 4,751
Registered: ‎11-13-2012
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Re: AMEX BCE...

Score and income? Do you plan to pay down Citi?
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Last app 01/15/2015
Frequent Contributor
Posts: 348
Registered: ‎02-27-2013
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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
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Established Contributor
Posts: 586
Registered: ‎02-22-2011
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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.

CL-5kNPSLCL-3.6kCL-4kCL-7.5kCL-7kCL 7.9kCL-4.2k
GARDENING SINCE 07/13/13
Established Contributor
Posts: 586
Registered: ‎02-22-2011
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Re: AMEX BCE...

Forgot to include my income too...hahaha

 

between 40-43k. 

CL-5kNPSLCL-3.6kCL-4kCL-7.5kCL-7kCL 7.9kCL-4.2k
GARDENING SINCE 07/13/13
Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: AMEX BCE...

New Member
Posts: 2
Registered: ‎02-14-2013
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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
Posts: 586
Registered: ‎02-22-2011
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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.
CL-5kNPSLCL-3.6kCL-4kCL-7.5kCL-7kCL 7.9kCL-4.2k
GARDENING SINCE 07/13/13
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
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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
Posts: 15,442
Registered: ‎04-09-2011
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Re: AMEX BCE...

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




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