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Gut said "go for it", and I got approved for my first Amex, a BCP!

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adavis425
Established Contributor

Re: Gut said "go for it", and I got approved for my first Amex, a BCP!

Congrats Subsea!! I know you've been working toward this. Smiley Happy Good job!!

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP


Message 11 of 19
SubseaEngineer
Valued Member

Re: Gut said "go for it", and I got approved for my first Amex, a BCP!

James:

 

I think you may be right.  I also would assume that the high utiliziation on a dept store card isnt really viewed as weighty as high utilization on a generic credit card.  Plus a lot of spend at a place like sears 6 months after buying a house is pretty easy to figure out that its stuff for the house.

Message 12 of 19
rtw
Established Contributor

Re: Gut said "go for it", and I got approved for my first Amex, a BCP!

Congrats!


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 13 of 19
LS2982
Mega Contributor

Re: Gut said "go for it", and I got approved for my first Amex, a BCP!

CONGRATS!!!!

Awesome starting CL!!!



EQ FICO 548 3/3/16
Message 14 of 19
Tommy5746
Regular Contributor

Re: Gut said "go for it", and I got approved for my first Amex, a BCP!


@LS2982 wrote:
CONGRATS!!!!

Awesome starting CL!!!

Ditto! Congrats!

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Message 15 of 19
youngandcreditwrthy
Senior Contributor

Re: Gut said "go for it", and I got approved for my first Amex, a BCP!

amazing! That new CL should help you get even more increases on your existing cards!!!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 16 of 19
theagent26
New Contributor

Re: Gut said "go for it", and I got approved for my first Amex, a BCP!

Congrats! Welcome to Amex!



Starting Score: EQ 593 TU 606
Current Score: EQ 680 TU 682 EX 684
Goal Score: 700's baby let's get it!


Take the FICO Fitness Challenge
Message 17 of 19
JonStur
Established Contributor

Re: Gut said "go for it", and I got approved for my first Amex, a BCP!

Way to go!!!!


Starting Score: TU 595 EX 600 EQ 585
Current Score: TU 820 EX 825 EQ 812
Goal Score: 800 Club (Mission Accomplished)

Amex Platinum, Amex BCP $17.5K, 5/3 Sig $10K, Capital One Quicksilver 15K, Walmart 10K, US Bank Cash+ 15K, Sam's Club 10K, Chase Freedom $6K, Discover More $15K, Chase United Club MileagePlus $33K, Costco $6K, CapOne Quicksilver One $7K, Cap One Quicksilver $5K, Amazon $3K, Barclays $12.5K, Home Depot $7.5K, AppleCard $6K
Message 18 of 19
webhopper
Moderator Emeritus

Re: Gut said "go for it", and I got approved for my first Amex, a BCP!


@SubseaEngineer wrote:

I'm kinda surprised.

 

My experian report shows 1 6-year old collection, 1 30-day late payment, and utilization on 2 store cards of about 90%, on my 9 month old discover of 50%.

 

But I have a bank account, retirement accounts, and income that is over $100K.

 

 

Approved for BCP with CL of $10K.


Congrats!  Welcome to the Amex family!

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 19 of 19
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