Credit Cards Center Credit cards from our partners
Frequent Contributor
Posts: 271
Registered: ‎02-10-2013

Re: Denied Amex BCE

Two years might be even better, to make sure all the inquiries fall off.

Established Contributor
Posts: 513
Registered: ‎12-07-2012

Re: Denied Amex BCE

Alright, TU is locked down now. No more inquiries!!

Amex BCE $18,000 | BofA Power Rewards WMC $25,000 | Chase Freedom VS $15,000 | Chase IHG $1,000 | Discover It $7,900 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $9,500 | Saks Store Card $3,000 | Saks WEMC $8,000
Frequent Contributor
Posts: 459
Registered: ‎11-25-2012

Re: Denied Amex BCE

OP, I think you might seriously have an app'ing problem.  I don't come on the boards that often, but I remember you for the crazy high number of inquiries you had/have.  I'd suggest adblocking anything that looks like it might be a CC app.  Take care of the cards you have and GARDEN.  No lender is going to take you seriously once they see how many times you've sought out credit.  Quite frankly, the fact that you haven't had AA from your current lenders is shocking imo.


I'd even suggest avoiding the MyFico boards once you've finally decided to stop apping.  This place can sometimes be triggering to app, especially when you see the success stories for others regarding approvals and CLIs.  


Good luck.  

The road to 800...
Available credit: $80k+
INQs: 1 TU, 2 EX, 1 EQ
Planned apps: NONE - Gardening indefinitely! - Gold Spade 10/15/15
On the chopping block for 2015: Gap Silver, Chase Freedom
Established Contributor
Posts: 911
Registered: ‎12-25-2010

Re: Denied Amex BCE

ilovelisa wrote:

Alright, TU is locked down now. No more inquiries!!

Good for you..if you have impulse tendencies then sometimes you have protect yourself from yourself.. I think we've given you all the tough love you need, now get back to the garden at once!!!!

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Valued Contributor
Posts: 1,599
Registered: ‎11-10-2012

Re: Denied Amex BCE

myjourney wrote:

ilovelisa wrote:

So I know, I'm supposed to be gardening, I apped for the BCE and they pulled TU and denied me a couple of days later. They said my internal risk score was high, too many recent accounts opened, and too many inquiries, and they said my TU score of 717 was too low. I called the recon # I found on here, and told them that I regretted closing my Zync card, and regretted losing my relationship with Amex, I told them I would be fine with a $500 starting limit so I could be back with such a great company. Boy I laid it on thick lol. So he submitted my app for re-evaluation. Does anyone think I have the slightest chance of being approved even with a $500 limit. I also realize that if approved I will probably get auto FR'ed which this time I will fill out the form. And if denied again, should I call their exec #?

I know this is not OP with 82 INQ'SSmiley Sad

I have been in your corner the hole time but I must tell you the truth at this point.

Are you serious your just asking for trouble doing any app's are you looking to lose accounts due to AA,FR?

For your own good stop

+1...I will have to agree.

 photo Logo - Credit Card Collection - Data Inclusive_zpskiw5xfjj.jpg photo emerald_zpsfitcxbh5.jpg
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012

Re: Denied Amex BCE

Glad you followed through with freezing TU. now, the hard part; keeping them frozen- all 3!

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 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.