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Posts: 90
Registered: ‎10-13-2012
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Chance of getting approved for the BCE?

I'd like to app for the Amex Blue Cash Everyday in January to help out my AAOA and get cashback on groceries. My oldest card is an AU on my mom's Chase Freedom (10 months). I also got a Capital One secured card in April ($200 limit), and a Discover It ($1500 limit) and an Amex Zync (NPSL) in August. I have since closed the CapOne card, which didn't really affect my score.

The worst part about my history is the fact that I have 8 inquiries on Equifax. However, I only have 4 inquiries on Experian, and from what I've heard, Amex is more likely to pull that one. 3 of those 4 inquiries on Experian will be over 6 months old by the time I app for the BCE in January. Do you think I have a good shot at it?


     $1500            $1500             $2500             $2500             NPSL         
Starting EQ: 646 - Current EQ: 693 - Goal EQ for 12/2013: >720
Gardening from 7/2013 until 1/2014
Valued Contributor
Posts: 1,346
Registered: ‎04-15-2011
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Re: Chance of getting approved for the BCE?

 

If you've spent and paid well on your Z, and you have no "baddies"  (derogatorys) on your reports, I think you'd have a fairly good chance but no guarantee.

Contributor
Posts: 90
Registered: ‎10-13-2012
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Re: Chance of getting approved for the BCE?

I've been putting about $100 on it every month and paying it off before the statement cuts. My Discover has seen a lot more usage due to the 5% cashback. Hopefully Amex won't penalize me for not using the card that much.


     $1500            $1500             $2500             $2500             NPSL         
Starting EQ: 646 - Current EQ: 693 - Goal EQ for 12/2013: >720
Gardening from 7/2013 until 1/2014
Valued Contributor
Posts: 1,607
Registered: ‎09-15-2012
0

Re: Chance of getting approved for the BCE?

Let us know what happens when you go for it in January!

 

I will be applying for BCP in December, also with very short history, but without an Amex charge.  I suppose you should check back in after my results, and see if that makes you gun shy (denial), or encourages you to pull the trigger (approval).


In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Citi Forward (12/12) $14,600, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Thank You Premier (6/15) $6,800

Last App: June 27, 2015
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
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Re: Chance of getting approved for the BCE?

[ Edited ]

Apply Delta Gold then PC into BCE. Charging straight into BCE with limited credit history will almost nets you a denial. I tried it several times, couple of them while holding a Zync (now cancelled).

 

Zync does very little to get you an AMEX credit card. I holded the card for about a year and AMEX denied me everytime for BCE. I cancelled Zync and applied AMEX HHonors couple months later and was instantly approved. I then PCed into BCE right away.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Frequent Contributor
Posts: 464
Registered: ‎10-29-2012
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Re: Chance of getting approved for the BCE?

Like trumpet suggested, apply for the Delta and then PC it, and make sure to keep your history good with them. Amex will most likely pull EX for any card you apply. But I would say in general they would expect 1-1.5 years of history and card use before granting you the BCE. That was the reason that Chase gave me for denial (they wanted to see some more established accounts before they give me a card, they haven't seen the 3 I have applied and gotten accepted for yet, my goal is to try in May for it). I have 4 cards and I think it is more then enough for me for now. 

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
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Re: Chance of getting approved for the BCE?


trumpet-205 wrote:

Apply Delta Gold then PC into BCE. Charging straight into BCE with limited credit history will almost nets you a denial. I tried it several times, couple of them while holding a Zync (now cancelled).

 

Zync does very little to get you an AMEX credit card. I holded the card for about a year and AMEX denied me everytime for BCE. I cancelled Zync and applied AMEX HHonors couple months later and was instantly approved. I then PCed into BCE right away.


How long do you have to wait to PC? 1 year? After approval?

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Contributor
Posts: 90
Registered: ‎10-13-2012
0

Re: Chance of getting approved for the BCE?

I'd like to know this as well.

 

Also, am I correct in thinking that if I get denied, it won't count as a hard pull since I have the Zync?


     $1500            $1500             $2500             $2500             NPSL         
Starting EQ: 646 - Current EQ: 693 - Goal EQ for 12/2013: >720
Gardening from 7/2013 until 1/2014
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
0

Re: Chance of getting approved for the BCE?


armbenderc wrote:

How long do you have to wait to PC? 1 year? After approval?


You don't need to wait. As soon as you receive the card just send a secure message to AMEX and they will PC the card right away.

 


528491 wrote:

Also, am I correct in thinking that if I get denied, it won't count as a hard pull since I have the Zync?


Yes, however AMEX will keep in mind about that application. On my third attempt on BCE while still holding that card, AMEX threw "numours applications with AMEX" as one of the denial reason to my face.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Chance of getting approved for the BCE?


trumpet-205 wrote:

armbenderc wrote:

How long do you have to wait to PC? 1 year? After approval?


You don't need to wait. As soon as you receive the card just send a secure message to AMEX and they will PC the card right away.

 



Did you do that before ??? ....I thought they required some history first before they can PC your card........I have a Delta and really wanna get the BCE since i dont flight at all.....Apps for the card because i wanna get my membership with 'em.....

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

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