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AMX EX Fico score with approval of BCP

tag
669
Regular Contributor

Re: AMX EX Fico score with approval of BCP

Afbar

 

Let us know how you come out!

EQ 7/19/13 796
TU 04/29/13 784
EX 06/17/13 849
28 years credit history
17 years AAoA

CIT $15,900 BEST BUY $11,800 DISCOVER $10,000 LOWES $10,000 SEARS/MC $7,200 BELKS $5,700 JC PENNY $2,400 CHASE $5,900 AMX GOLD PR $NPSL AMX/BCP $11,200 SHELL/CITI/MC $80.00 (LMAO)
Message 11 of 42
669
Regular Contributor

Re: AMX EX Fico score with approval of BCP

dnice

 

you are so true about that

EQ 7/19/13 796
TU 04/29/13 784
EX 06/17/13 849
28 years credit history
17 years AAoA

CIT $15,900 BEST BUY $11,800 DISCOVER $10,000 LOWES $10,000 SEARS/MC $7,200 BELKS $5,700 JC PENNY $2,400 CHASE $5,900 AMX GOLD PR $NPSL AMX/BCP $11,200 SHELL/CITI/MC $80.00 (LMAO)
Message 12 of 42
afbar1114
Valued Contributor

Re: AMX EX Fico score with approval of BCP

Wow no one is even going to stop me haha
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 13 of 42
669
Regular Contributor

Re: AMX EX Fico score with approval of BCP

Afbar

 

"if you sceered say you sceered"

 

LOL

EQ 7/19/13 796
TU 04/29/13 784
EX 06/17/13 849
28 years credit history
17 years AAoA

CIT $15,900 BEST BUY $11,800 DISCOVER $10,000 LOWES $10,000 SEARS/MC $7,200 BELKS $5,700 JC PENNY $2,400 CHASE $5,900 AMX GOLD PR $NPSL AMX/BCP $11,200 SHELL/CITI/MC $80.00 (LMAO)
Message 14 of 42
android01
Valued Contributor

Re: AMX EX Fico score with approval of BCP

Afbar, If you are determined to do it, no one can stop you.  However, I doubt you'll be approved with your current scores and history. Smiley Sad

EQ Fico 8 - 850
TU Fico 8 - 850
EX Fico 8 - 850
Message 15 of 42
MsLadyRover
Valued Contributor

Re: AMX EX Fico score with approval of BCP


@afbar1114 wrote:
Wow no one is even going to stop me haha


I was going to say something but realized it's only a SP if you don't get approved.  And if you do get approved, then hey...Congrats! LOL!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 16 of 42
afbar1114
Valued Contributor

Re: AMX EX Fico score with approval of BCP

I know i just wanted to see if anyone was paying attention to appbar jr. Lol. But it will only be a sp if i dont get it and i do have almost five months of history with them
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 17 of 42
Creditspa
Valued Member

Re: AMX EX Fico score with approval of BCP


@669 wrote:

I applied on 4/18/12 for the AMX BCP and got my welcome package and fortunately or unfortunately I got my EX Fico score........809.

 

Thats a good score but means that I did not get the best APR.

 

I dont plan on carrying a balance, it would have been nice to get the best APR for the feel good factor.

 

Still pleased though.

 

Off to update my siggy!!!!


Let's make sure I  understand this. Whenever you app with Amex and gets approved, they will provide an EX score. If/When they provide a score, this means that a person did not qualify for their best rates? So when no score is provided at approval means you qualify for the top iered rate? Am I understanding this correctly? 

Message 18 of 42
Revelate
Moderator Emeritus

Re: AMX EX Fico score with approval of BCP


@afbar1114 wrote:
I know i just wanted to see if anyone was paying attention to appbar jr. Lol. But it will only be a sp if i dont get it and i do have almost five months of history with them

You routinely ignore advice some folks post here, why should now be any different? Smiley Happy

 

To the OP: I have to laugh at a 800+ FICO not receiving the best terms on any credit card let alone an Amex.  Congratulations regardless, it is a sweet card!

 




        
Message 19 of 42
Revelate
Moderator Emeritus

Re: AMX EX Fico score with approval of BCP


@Creditspa wrote:

@669 wrote:

I applied on 4/18/12 for the AMX BCP and got my welcome package and fortunately or unfortunately I got my EX Fico score........809.

 

Thats a good score but means that I did not get the best APR.

 

I dont plan on carrying a balance, it would have been nice to get the best APR for the feel good factor.

 

Still pleased though.

 

Off to update my siggy!!!!


Let's make sure I  understand this. Whenever you app with Amex and gets approved, they will provide an EX score. If/When they provide a score, this means that a person did not qualify for their best rates? So when no score is provided at approval means you qualify for the top iered rate? Am I understanding this correctly? 


That's correct; if you get the best terms available for a given credit product, there's no legal mandate that they provide you a score and the somewhat useful reason list. 

 

By law, if they don't give you the best terms, then they have to provide you the full monty.




        
Message 20 of 42
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