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

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
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
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
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
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
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
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!


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Message 17 of 19
Established Contributor

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

Way to go!!!!


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
Message 18 of 19
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!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Message 19 of 19