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Contributor
drew11
Posts: 100
Registered: ‎06-20-2012

Amex BCP Approved!

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‎01-22-2013 07:53 AM

Hi everybody! I applied last night for the Amex BCP (I've had my Amex Zync for 6 months now) and received the dreaded "Pending further review". It was too late for me to call in so I had to wait until today! I just got off the phone with the CSR and she said I was approved for the BCP with a $2k limit! I'm excited to start using the card and will be shooting for the CLI to $6k after the first 60 days. Thanks everyone for all of the support and motivation!

 

Age: 20

AAoA: 13 months

Income: $36k

Scores:

10/03/12 Equifax FICO 729

01/16/12 Credit Karma (TU) 744

01/16/12 Credit Sesame (Ex) 731

(Unsure which CRA Amex pulled so I will update with that info along with my FICO score when I receive the approval letter)

06/16/13 Equifax FICO 733
06/16/13 Experian FICO 745
06/16/13 TransUnion FICO 740

PenFed Platinum: $1000 | Chase Freedom: $3500 | Discover IT: $1500 | Amex Zync NPSL | Amex BCP $6000 | Chase CSP: $7000
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Established Contributor
MsLadyRover
Posts: 804
Registered: ‎03-14-2012

Re: Amex BCP Approved!

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‎01-22-2013 07:57 AM

Congratulations!

Starting Score: 639 (Walmart TU)
Current Score: TU 688 (myFICO) EX 679 (Credit Sesame) EQ 660 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)
Take the FICO Fitness Challenge
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Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Amex BCP Approved!

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‎01-22-2013 07:59 AM

Congrats

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Valued Contributor
Epcot
Posts: 2,592
Registered: ‎10-10-2012

Re: Amex BCP Approved!

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‎01-22-2013 03:09 PM

That's great, Congrats!
Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12
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Frequent Contributor
CribDuchess
Posts: 437
Registered: ‎09-12-2011

Re: Amex BCP Approved!

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‎01-22-2013 03:14 PM

That's wonderful news - congratulations!!  You are off to a great start at such a young age.  Keep up the good work!


FICOs: Walmart TU08 800 5/13/13; TU98 783 5/2/13; EQ 758 5/2/13; EX 741 (per US Bank 7/24/12)

My Wallet: Amex Gold NPSL w/Pay-Over-Time; Amex Optima Platinum $25K; Amex Costco TE $5K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Cash Rewards Visa Signature $8K; Chase Freedom MC $7.5K; Citi Simplicity Visa $11.9K; Discover $5K; US Bank Cash+ Visa Signature $20K; Walmart Discover $10K
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Frequent Contributor
xiownthisplacex
Posts: 256
Registered: ‎08-29-2011

Re: Amex BCP Approved!

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‎01-22-2013 04:59 PM

Congrats on your new card! But don't get it wrong, it's 61 days, not 60. Or else you will have to wait even longer :/

Starting Score Myfico EQ: 676 08/11/2011
Current Score: Citi EQ Pull: 745 Walmart TU08: 750 AMEX EX Pull: 745 1/21/2013 Goal Score: 780+
Hover over image to see limits
NPSL$1,000$9,500$9,500$5,000$5,000$5,500$6,500$5,300$9,000$5,500$4,200$1,200$1,900$1,600
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Established Contributor
ObeyJohnny12
Posts: 585
Registered: ‎05-05-2012

Re: Amex BCP Approved!

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‎01-22-2013 05:33 PM

Big congrats!
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. | American Express: Green Card.
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Established Contributor
kevinjjc
Posts: 917
Registered: ‎01-14-2009

Re: Amex BCP Approved!

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‎01-22-2013 09:16 PM

CribDuchess wrote:

That's wonderful news - congratulations!!  You are off to a great start at such a young age.  Keep up the good work!

+1. And he has a PenFed credit card! I'm thoroughly impressed!

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Contributor
drew11
Posts: 100
Registered: ‎06-20-2012

Re: Amex BCP Approved!

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‎01-22-2013 09:39 PM

Haha you're right 61 days, my bad! Well I've got to hand my success to the members and information on this board (except for the penfed, I have my mother to thank for cosigning my very first credit card)!

 

My current plan is to use the BCP as my primary card for the next two months to hopefully succeed in the 3x CLI to 6k. Once the 6k CL posts, I'm going to apply for my last dream card, CSP.

 

Should I wait 6 months until this Amex inquiry ages a bit and my scores can recover or would you guys recommend applying right away once the 6k begins posting to the CRA's?

 

 

 

06/16/13 Equifax FICO 733
06/16/13 Experian FICO 745
06/16/13 TransUnion FICO 740

PenFed Platinum: $1000 | Chase Freedom: $3500 | Discover IT: $1500 | Amex Zync NPSL | Amex BCP $6000 | Chase CSP: $7000
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New Contributor
kwinks
Posts: 72
Registered: ‎07-15-2012

Re: Amex BCP Approved!

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‎01-23-2013 12:07 AM

Hi congrats!

 

i applied for both cards together and got approved for both....our scores are almost identical so I think you should just get it over with....

 

btw I'm 20 too! A lot of people still don't believe I got the csp and bcp lol 

Chase Sapphire Preferred 5000
American Express Blue Cash Preferred 4500
Chase Freedom 3000
Bank of America Cash Rewards 3000
TU 733 EQ 743 EX 722
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