Amex BCE Approval Odds

[Bones]

Looking at the CL's and open dates of the accounts below, would I be borderline to attempt to app for a BCE?  5 of my 9 cards are under a year old.  In a few weeks they ALL will be at the one year mark.  EX inquiries are at 15, but only 6 in the past year, TU -0, EQ-0.  AAoA is a little over 3 years.  USAA FAKO is 761 on EX. I just dont see my current cards ever growing into the 5 digits.  The 3x CLI on Amex BCE is something that may put me where I want to be as for as a CL.  Any advice is appreciated..

BANK OF AMERICA

Show Details XXXXXXXXXXXXXX   11/02/2012   $0     PAYS AS AGREED        $0

BARCLAYS BANK DELAWARE 

Show Details XXXXXXXXXXX   06/13/2012   $3,193     PAYS AS AGREED         $8,500    

CAPITAL ONE BANK USA 

Show Details XXXXXXXXXXXXXXXXX   03/21/2012   $0     PAYS AS AGREED         $451    

CHASE BANK USA, NA 

Show Details XXXXXXXXXXXXXXXX   05/13/1997   $0         PAYS AS AGREED        $7,000    

CHASE BANK USA, NA 

Show Details XXXXXXXXXXXXXXXX   05/27/2012   $0     PAYS AS AGREED         $1,600    

CITICARDS CBNA 

Show Details XXXXXXXXXXXXXXXXX   06/13/2012   $0     PAYS AS AGREED        $5,000    

COMENITY BANK/ABCR&F 

Show Details XXXXXXXXXXXX   05/25/2012   $0     PAYS AS AGREED                           $650    

DISCOVER FINANCIAL S 

Show Details XXXXXXXXXXXXXXXXX   06/15/2012   $0     PAYS AS AGREED          $8,500    

USAA SAVINGS BANK 

Show Details XXXXXXXXXXXXX   06/18/2012   $0     PAYS AS AGREED          $8,000    

[LS2982]

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@Bones wrote:

Looking at the CL's and open dates of the accounts below, would I be borderline to attempt to app for a BCE?  5 of my 9 cards are under a year old.  In a few weeks they ALL will be at the one year mark.  EX inquiries are at 15, but only 6 in the past year, TU -0, EQ-0.  AAoA is a little over 3 years.  USAA FAKO is 761 on EX. I just dont see my current cards ever growing into the 5 digits.  The 3x CLI on Amex BCE is something that may put me where I want to be as for as a CL.  Any advice is appreciated..

BANK OF AMERICA

Show Details XXXXXXXXXXXXXX   11/02/2012   $0     PAYS AS AGREED        $0

BARCLAYS BANK DELAWARE 

Show Details XXXXXXXXXXX   06/13/2012   $3,193     PAYS AS AGREED         $8,500    

CAPITAL ONE BANK USA 

Show Details XXXXXXXXXXXXXXXXX   03/21/2012   $0     PAYS AS AGREED         $451    

CHASE BANK USA, NA 

Show Details XXXXXXXXXXXXXXXX   05/13/1997   $0         PAYS AS AGREED        $7,000    

CHASE BANK USA, NA 

Show Details XXXXXXXXXXXXXXXX   05/27/2012   $0     PAYS AS AGREED         $1,600    

CITICARDS CBNA 

Show Details XXXXXXXXXXXXXXXXX   06/13/2012   $0     PAYS AS AGREED        $5,000    

COMENITY BANK/ABCR&F 

Show Details XXXXXXXXXXXX   05/25/2012   $0     PAYS AS AGREED                           $650    

DISCOVER FINANCIAL S 

Show Details XXXXXXXXXXXXXXXXX   06/15/2012   $0     PAYS AS AGREED          $8,500    

USAA SAVINGS BANK 

Show Details XXXXXXXXXXXXX   06/18/2012   $0     PAYS AS AGREED          $8,000    

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I think you would be just fine for approval....................go for it!!! 

[09Lexie]

Looks fine to me...assuming no baddies

[Bones]

I have no baddies on EX.. But, I do have an auto loan opened 2/7/13 for $15,300. Current balance is $14,600. Do you that ratio will hurt me since it is so close to the orignal balance? If I wait until the 1st the reported balance will be $14,200 on EX.  FYI, in the last two weeks I have received offers for the Green and Gold card, just no revolvers.  Hate to waste a HP if it is wiser to wait a bit longer.

[09Lexie]

It SHOULD not matter but its a YMMV.

[Bones]

Well, I did it...  What do you guys and gals think from the reply below?

Thank You for applying for the Blue Cash EverydaySMfrom American Express. 

In order to provide you with an instant decision, we need to speak with you. We are available to assist you during our Hours of Operations: Monday-Friday 8AM to Midnight, Saturdays 9:30AM to 9PM, and Sundays 10AM to 9PM Eastern Time.

Please call us at 1-800-348-6103 to be connected directly to a Customer Care Professional who will provide you with a decision. To expedite your call, please refer to your individual tracking number. XXXXXXXXXXXXXXXXXXXXXXX.

If you are unable to speak with us now, print this page, and call us during our Hours of Operation. We will finalize your application when you call. If we don't hear from you, we will attempt to contact you in the next 2-3 days.

Thank you for choosing American Express.

[Bones]

I checked status on app status link and.............

Have the following information ready when you call:  Please call 1-866-314-0237 to finalize the processing of your application.

HOME ADDRESS VERIFICATION

[09Lexie]

Sounds like an approval to me

[Bones]

BCE Approved, however she didn't tell me my CL.  She said it would be with my card in 7-10 business days.  Is there another way to find out what it is, call back?

[09Lexie]

Yea, call back. Congrats!