Am I ready for BCE?

[uroosa1]

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.

[daybreakgonesXe]

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

[ricefed]

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.

[mikka1]

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.

[uroosa1]

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?

[eviLution]

You should be ready.

[creditnocash]

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@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?

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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. 

[nicholasyud]

probably 99% approved.....