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Amex BCP CLI $5k ---> $15k!

Established Contributor

Re: Amex BCP CLI $5k ---> $15k!


bichonmom wrote:
Congrats on all of the BCP CCs!

What kind of scores do you guys have who are getting approved do for this cc?

Re CCCs selling to you, I had that in a big way from Cap One! It was very irritating. They were definitely high-pressured and would not take no for an answer!


I had an Experian FICO of 786 (from BofA for my Cash Rewards app)

CCs: Chase Freedom VS 12.9k, CSP VISA Sg 13k, BofA Amex 24.5k, Discover 12.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 13.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, BBVA Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, C1 QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Arrival WEMC 10k, Ebates VS 8k, Orbitz VS 12k, NASA V 30k, USBk FP VS 21.5k, DC 30k, VirgAm 15k, Sams MC 15k, Amex Bz Gold, Amex SC 10k, BofW Bz MC 18k
Message 11 of 30
Senior Contributor

Re: Amex BCP CLI $5k ---> $15k!

Wow! Great CL!
~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 12 of 30
Frequent Contributor

Re: Amex BCP CLI $5k ---> $15k!

Ex 736, flawless credit report other than 2 years of total history. 

Message 13 of 30
Senior Contributor

Re: Amex BCP CLI $5k ---> $15k!

I'm hoping after my one collection drops off in Jan/Feb, my scores will go into the 700s. But I may need to wait longer to app w/amex since I have a short cr history. It looks like 730+ is necessary for Amex.
~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 14 of 30
Valued Contributor

Re: Amex BCP CLI $5k ---> $15k!

Congrats. That's a nice jump in CL. Still waiting for my BCP in the mail. The BCP will be my go to card. Amex have showed me alot of love and I am going to return the favor Smiley Happy
Message 15 of 30
Contributor

Re: Amex BCP CLI $5k ---> $15k!


bichonmom wrote:
I'm hoping after my one collection drops off in Jan/Feb, my scores will go into the 700s. But I may need to wait longer to app w/amex since I have a short cr history. It looks like 730+ is necessary for Amex.


Not quite, I was just recently approved for Amex Delta Gold Skymiles whatever its called.  I have a 705 EX FICO with a 4 month old 30 day late.  All other history is good though.


Starting Score: EQ-484(10/10/2011) TU-533(10/10/2011)
Current Score: EQ-701(1/18/2013) TU-735(1/20/2013)
Goal Score: 750s!!


Take the FICO Fitness Challenge
Message 16 of 30
Valued Contributor

Re: Amex BCP CLI $5k ---> $15k!

I'm still waiting on mine to come in the mail as well.  I got $2k which matching my highest reporting limit.  I'm hoping they will show me some love and Amex will get me out of low CL territory and others will follow the lead.  I intend to make it my daily card.  I was at 734 with two five year old unpaid collections when approved.  I believe if it wasn't for my address recently changing it would have been instant, as soon as they verified that it was approved.

Message 17 of 30
Frequent Contributor

Re: Amex BCP CLI $5k ---> $15k!


 

Question:  Who decided 3x your CL is the max you can ask/get?  Does Amex state that somewhere or have they told people that?  Or have people just not been approved for anything over 3x?  A curious mind wants to know!  Anyone want to be a guinea pig - ask for 4x the limit or even 3.1x? Smiley Very Happy

 

 


The Amex system informs you when you submit your request that it can accept requests of 3x your current limit up to $25K.  Other requests are possible, but can only be done through a representative -- thus no online luv botton or automated telephone response.

 


 

Message 18 of 30
Valued Contributor

Re: Amex BCP CLI $5k ---> $15k!


JWatson0405 wrote:

bichonmom wrote:
I'm hoping after my one collection drops off in Jan/Feb, my scores will go into the 700s. But I may need to wait longer to app w/amex since I have a short cr history. It looks like 730+ is necessary for Amex.


Not quite, I was just recently approved for Amex Delta Gold Skymiles whatever its called.  I have a 705 EX FICO with a 4 month old 30 day late.  All other history is good though.


 

From what I found out, Amex Delta Gold is probably the easiest card to get. Minimum EX fico 680+.....I was approved for the Amex SPG with an EX Plus score of 720 - clean report and 5+yrs of AAoA. When my score jumped to 747 EX Plus, I apped for the BCP and was approved instantly with a generous CL...about 5 months after activation of my 1st Amex. In the end...you really don't know til you try IMHO and YMMV.

 

My SPG is due for a CLI this coming Feb and I am looking forward to it Smiley Happy

BCP is due for a CLI in 61 days too! Smiley Happy

 

 

Message 19 of 30
Frequent Contributor

Re: Amex BCP CLI $5k ---> $15k!

Ok, ok, ok, I just got my Zync in Oct.  So, if I wait six months, (APR) I can apped for the Delta card and get approve?  Cool, but I don't fly DeltaSmiley Tongue (Southwest!!!) so, would the Gold Reserve be the card for me to app?  Or BCP? or Costco True Earning.....ok, I will stop for now...


5/30/15 EQ 596; TU 605; EX 580.
10/17/16 EQ 632; TU 656; EX 647
Message 20 of 30