Credit Cards Center Credit cards from our partners
Reply
Contributor
Posts: 122
Registered: ‎08-19-2012
0

BCP: success and a question

I was approved for a Delta Skymiles Amex exactly one week ago.I foolishly applied for the BCP on the same day and got the "wait 7-10 days message". Last night I checked the approval site and saw that my app was approved,and this morning I was told that my CL was $14.5k, my highest limit yet! (Yes I am in the garden now for a loooong time).

 

I am assuming that Amex matches or tries to surpass your highest CL (for me this is two cards at 10.9k), is that the case?

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784
Established Contributor
Posts: 731
Registered: ‎02-15-2012
0

Re: BCP: success and a question

It varies, for me Amex gave me $6,000 when my highest limit was $750.  Of course, I had a charge card for almost two years first, which I put all my spending through.  Others have gotten $1-2,000 when they've had much higher limits, of course they can always try for the 3x CLI after 61 days, so it's not that big of an issue.  Even if they don't get the high limit right away, there's the potential for rapid growth.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday
Established Contributor
Posts: 643
Registered: ‎07-29-2010
0

Re: BCP: success and a question

They didn't match for me. 

 

When I got my Amex Blue, my highest CL was $12,000 and Amex gave me $2,000.

 

But congrats anyway! Delta Gold and BCP are both excellent cards.

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Senior Contributor
Posts: 3,345
Registered: ‎05-05-2011
0

Re: BCP: success and a question


severine wrote:

I was approved for a Delta Skymiles Amex exactly one week ago.I foolishly applied for the BCP on the same day and got the "wait 7-10 days message". Last night I checked the approval site and saw that my app was approved,and this morning I was told that my CL was $14.5k, my highest limit yet! (Yes I am in the garden now for a loooong time).

 

I am assuming that Amex matches or tries to surpass your highest CL (for me this is two cards at 10.9k), is that the case?


Congrats! 2 new Amex... great! Smiley Happy BCP has really nice rewards, too. Smiley Happy And awesome CL.

 

When I got my Amex Costco in Feb, they did not surpass my highest CL (which was around $2500 at the time). They gave me $2k. But 61 days later, I got a CLI to $6k, which exceeded my highest CL at the time of $2500.

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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!

Valued Contributor
Posts: 1,367
Registered: ‎04-20-2012
0

Re: BCP: success and a question


severine wrote:

I was approved for a Delta Skymiles Amex exactly one week ago.I foolishly applied for the BCP on the same day and got the "wait 7-10 days message". Last night I checked the approval site and saw that my app was approved,and this morning I was told that my CL was $14.5k, my highest limit yet! (Yes I am in the garden now for a loooong time).

 

I am assuming that Amex matches or tries to surpass your highest CL (for me this is two cards at 10.9k), is that the case?



Not in my case. Amex gave me a CL half as big as my largest reporting CL. It was my first Amex card, and a revolver at that.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.