Advice on apping

[orl2185]

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@Meltdownblitz wrote:
I was considering apping for BCP. I have currently 4 new accounts in the last 6 months. Only 2 INQ in the last 6 months on EX. And also opened a Amex zync back in June, therefore almost had it for 6 months of perfect payment history and ran a lot of money through it.  No baddies, FICO is around 720. What do you think my chances are of getting approved? Opinions appreciated thanks.

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Luckily you don't have any TL's with Barclays, they would have shut you down. Four accounts in 6 months is considered excessive with most creditors, makes it seem like you having financial difficulties and your scores will reflect that activity.

You leaving yourself opened to lots of AA,

[Mekitcat]

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@Meltdownblitz wrote:
I was considering apping for BCP. I have currently 4 new accounts in the last 6 months. Only 2 INQ in the last 6 months on EX. And also opened a Amex zync back in June, therefore almost had it for 6 months of perfect payment history and ran a lot of money through it.  No baddies, FICO is around 720. What do you think my chances are of getting approved? Opinions appreciated thanks.

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See my post this may help you decide, I don't know what your overall file looks like but I had a lot of inqs, a lot of new/newer accounts within a 6month period, a short history and only had my Zync for 1 month and I was approved for the BCP with a $6000CL

http://ficoforums.myfico.com/t5/Credit-Cards/Amex-question/td-p/1038106/highlight/false

Good luck if you decide too go for it!

[Meltdownblitz]

Thanks mekitcat. Really makes me want to app for it now! Haha.

I've had my zync for 6 months in beginning of December, (5 months currently), will waiting till that 6th month have an effect on my chances of approval or probably not?