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Established Member
Posts: 61
Registered: ‎07-21-2012
0

Am I ready for BCE?

The next major credit card i need is an amex but i don't want

to have to get charge cards, I rather just go straight for what i want.

 

Here is my situation.

Discover 600/4500 - 7mo

Chase        0 /3000 - 6 mo

Barclays     0/   750 - 6mo

WellsF        0/   300 -1yr 4mo

Macys AU   0/  500 - 6yr 9mo

SallieMae- 4k bal    - 1yr 9mo

 

EX- 721 EQ- 729 TU?

inq-3      inq-2

20yr., 58k, no negatives on report.

 


I think i have a strong shot at approval.

Valued Contributor
Posts: 1,877
Registered: ‎11-17-2012
0

Re: Am I ready for BCE?

I think you have a strong chance of approval :smileyhappy: go for it!
,l.
Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

FICOS: EX 768 EQ 712 TU 750 VantageScore 3.0: EX 734 EQ 736 TU 737 Credit Sesame (EX) 780 Credit.com (EX) 786
Contributor
Posts: 116
Registered: ‎02-17-2011
0

Re: Am I ready for BCE?

What are you waiting for? Do it and fast so you get the 2012 member date. Not that you need the backdating with 20 years lol. But seriously I think you have a great chance.
NFCU cash rewards 10,000 -Chase Sapphire Preferred 6,900-Chase Slate 6,000- Amazon 10,000 - Walmart 10,000- lowes 12,000 - Kay jewelers 7,500 - Amex Zync NPSL - CarCare One 500
Frequent Contributor
Posts: 272
Registered: ‎12-28-2011
0

Re: Am I ready for BCE?

Same logic with me - I also didn't want charge cards with AF

Approved for BCE with ~1 yr history and ~716 EX

 

I'd say go for it for sure if you want it.

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data &colon:smileywink: Current TU - probably around ~750. I am now applying only for cards I can have fat sign-up bonuses on, repay them right away and close before next year. That's why BKLSBNKDELAWARE probably blacklisted me long ago, LOL...
Established Member
Posts: 61
Registered: ‎07-21-2012
0

Re: Am I ready for BCE?

also I was an AU on my dads amex in 2006

 

but I think it just had my first name initial then my last name.

It isn't on my report.,

 

would I still get backdating?

Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

Re: Am I ready for BCE?

You should be ready.

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
Posts: 2,262
Registered: ‎07-23-2012
0

Re: Am I ready for BCE?


uroosa1 wrote:

also I was an AU on my dads amex in 2006

 

but I think it just had my first name initial then my last name.

It isn't on my report.,

 

would I still get backdating?


i dont want to  say no but i believe they stopped doing au backdates. its only if you had an account and opened another card. 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Am I ready for BCE?

probably 99% approved.....


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

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