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AMEX decline - BCE - move to Green?

New Member

AMEX decline - BCE - move to Green?

So I was denied on BCE yesterday and am unable to pull the actual "decision" up online - their system seems to be not responding.

 

I received the Discover IT card with a 6k limit last week which that pull dropped my score 7 points.

 

Should I try for the Green Charge to get my foot in the door (hopefully) or wait for the 6k limit to appear on my CR?

Current/ GOAL:
EX: 681(lender pull) / 700
EQ: 677 / 700+
TU: 604 / 670+
___________________________________________
Cap1-Reward (500) - Cap1 (500) - BillMeLater (2100) - Discover It - (6000) - ACFU CU (1000)
Message 1 of 8
7 REPLIES
Moderator Emerita

Re: AMEX decline - BCE - move to Green?

Sorry for the decline. You could call and ask them the reason over the phone or wait until you receive their letter. What's your AAOA? Do you know if they pulled all 3 bureaus?

Oh, welcome to the forum!
Message 2 of 8
Regular Contributor

Re: AMEX decline - BCE - move to Green?

RECONNNNNNNNNN


EQ 733 3/3/13 GOAL: 800 Merrill Lynch Merrill+ $12,500 | AMEX BCE 6K | AMEX PRG NPSL | CSP 6K | Freedom 5K | Discover IT 5K | HVFCU 10K | American Eagle Visa 5K | Citi Thank You Preferred 6,100

In the garden since 4/22/13 | Hating on Capital One since '09
Message 3 of 8
Established Contributor

Re: AMEX decline - BCE - move to Green?

I suggest Recon as well.  You are correct in that Green (and other AX Charge cards) are easier to get approved for than its Revolver products.


My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)
My Current Score: EQ: 779 (04/22/13) TU08: 835 (06/03/13)
DW Starting Score: EQ: 742 (03/02/12) TU98: 748 (03/02/12)
DW Current Score: EQ: 784 (03/11/13) TU08: 775 (06/03/13)
Message 4 of 8
Moderator Emeritus

Re: AMEX decline - BCE - move to Green?

I recommend waiting for 31 days... as if you apply for Green right now, the application will be cancelled by their system.  You may not re-apply within the next 30 days with Amex, due to their internal system.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 5 of 8
Valued Contributor

Re: AMEX decline - BCE - move to Green?


webhopper wrote:

I recommend waiting for 31 days... as if you apply for Green right now, the application will be cancelled by their system.  You may not re-apply within the next 30 days with Amex, due to their internal system.


This is true, I experienced it first hand last year.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 6 of 8
Super Contributor

Re: AMEX decline - BCE - move to Green?

Yea u can only apply for Amex every 30 days. If your discover is reporting by then, don't apply. Wait till the discover account is >3 months
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 7 of 8
Mega Contributor

Re: AMEX decline - BCE - move to Green?


csmith1591 wrote:

So I was denied on BCE yesterday and am unable to pull the actual "decision" up online - their system seems to be not responding.

 

I received the Discover IT card with a 6k limit last week which that pull dropped my score 7 points.

 

Should I try for the Green Charge to get my foot in the door (hopefully) or wait for the 6k limit to appear on my CR?


Sorry to hear Smiley Sad

 

Do you know what your EX FICO is??




EQ FICO 548 3/3/16
Message 8 of 8