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

SubseaEngineer · ‎09-07-2012

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.

MontegoMack · ‎01-21-2012

Wowzah! What are your scores?

BofA Cash Rewards Signature Visa 5k
Chase Freedom 6.5k
BBRZ MC 800 (SD)

youngandcreditwrthy · ‎08-16-2012

Omg! Lol I bet you have mortgage/installment history huh?
Congrats!
Amex still scares me!

SubseaEngineer · ‎09-07-2012

My history is this:

Car loan for last 3 years (started at $35K).

Student loans opened in 2005, payments started in 2009.

Mortgage for last 1.5 years.

Sears card 15 years old (currently at 80% UT, CL reported at $2,950, just upped to $4,350)

Sears card+ 9 mo old (currently at 90% UT, CL $5,500)

JCP card 14 years old (UT < 10%, CL $2,500)

Kohls card 1 year old (UT < 20%, CL $1,500))

Discover card 9 mo old (currently at 40% UT, $4,000 CL reported, just upped to $7,500)

And 1 old chase card, opened in 1997, closed about 5 years, paying down balance, only owe $1,500 on it, 3 late payments (30-day) one each in 2009, 2008, 2007. Also have a couple of old 60 and 120 day that are 6 years old.

Also have 1 old collection on experian, drops off in november.

Experian Fako: 680

Equifax Fico: 693

Transunion Fico: 673 (still shows 2 collections that havent fallen off yet).

RockinRay · ‎08-13-2007

Congrats! That is a great starting line!

Ray

** Every Card has a Job, and Every Card does its Job **

Cadillac-XTS · ‎08-20-2012

Congrats

CS800 · ‎04-07-2008

Congrats !!

That's an awesome CL.

SubseaEngineer · ‎09-07-2012

To be fair the CSR said it was tentatively $10,000 but that it had not been finalized so it could change.

tinuviel · ‎11-02-2010

Wow!!! Congratulations, and welcome to the Amex family!

Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k

jamesdwi · ‎09-16-2011

Nice CL, I guess 10+ year of credit history + 100k income makes them over look a few mis-steps over the years.

Congrats.

Wallet: FNBO DISC 7.5k, , Chase Freedom 3.3k & Slate 3.3k, AMEX BCP 7.5k & AMEX Hilton Surpass 5.5k & AMEX Zync NPSL, Walmart 3.3k, CapOne AU 1.5k
Sockdrawer: Paypal Extras MC 3.2k, CapOne 2k, CapOne 750, Amazon 3.9k, Sams Club store 4.8k, and a nice stack of store cards.
Last APP 5/16/2013

Credit Cards

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

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

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

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

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

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

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

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

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

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