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Any chance of getting approved for BCE with 1 year credit history?

Contributor

Any chance of getting approved for BCE with 1 year credit history?

Does anyone get BCE with just 1 year of credit file?

 

Assume score near 730 and oldest card 1 year old. 3-4 other cards with 5-6 month old history!!

 

What are chances with BCE?? Are they inquery sensitive ?

Walmart TU-724 on 12-2012
EX-707 on 08-2012
EQ-668on 08-2012
_________________________________
Wallet - Discover 1500 | Chase Freedom 1500 | OldNavy Visa 2750 | Walmart 2000 | Amex BCE 6000 | BoA Visa Sig 5000 | Chase Marriott 5000 | Amex Hhonor 2000 | CSP 5000
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3 REPLIES
Mega Contributor

Re: Any chance of getting approved for BCE with 1 year credit history?

I would say slim. They like to see multiple cards with good history 1 year or more. AMEX can be quite picky with their revolvers, you might want to try for a charge card and if approved app for the BCE immediately afterwards and if declined it will only be 1 HP.



EQ FICO 548 3/3/16
Frequent Contributor

Re: Any chance of getting approved for BCE with 1 year credit history?

I had about 3 years of history when I got mine. I'm thinking that your ex score would be borderline for approval but you would most likely be denied for a thin file.

 

I think most people around here would suggest you app for the Zync and then go for the bce after you have the Zync. I did this and was approved for the bce shortly after getting the Zync. The benefit of doing this is that once you are in with amex any future denials are a sp. Essentially once you get the Zync you really have nothing to lose by apping for the bce. Havng the Zync also would allow you to build a payment history with amex which would improve your chances of getting the bce

 

AFAIK Amex isn't as inquiry sensitive as most major lenders, and pull ex 99.9% of the time

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Highlighted
Contributor

Re: Any chance of getting approved for BCE with 1 year credit history?

Thanks Friends Smiley Happy

Walmart TU-724 on 12-2012
EX-707 on 08-2012
EQ-668on 08-2012
_________________________________
Wallet - Discover 1500 | Chase Freedom 1500 | OldNavy Visa 2750 | Walmart 2000 | Amex BCE 6000 | BoA Visa Sig 5000 | Chase Marriott 5000 | Amex Hhonor 2000 | CSP 5000
__________________________________________