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Am I ready for BCE?

Established Member

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.

Message 1 of 8
7 REPLIES
Valued Contributor

Re: Am I ready for BCE?

I think you have a strong chance of approval Smiley Happy go for it!

Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
Message 2 of 8
Highlighted
Contributor

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
Message 3 of 8
Frequent Contributor

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 &colonSmiley Wink 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...
Message 4 of 8
Established Member

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?

Message 5 of 8
Established Contributor

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
Message 6 of 8
Valued Contributor

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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 7 of 8
Valued Contributor

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

Message 8 of 8