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Frequent Contributor
adavis425
Posts: 418
Registered: ‎02-14-2012

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

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‎09-26-2012 08:22 AM

Congrats Subsea!! I know you've been working toward this. :smileyhappy: Good job!!

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


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Valued Member
SubseaEngineer
Posts: 44
Registered: ‎09-07-2012

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

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‎09-26-2012 08:25 AM

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.

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Established Contributor
rtw
Posts: 744
Registered: ‎05-01-2012

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

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‎09-26-2012 08:29 AM

Congrats!


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 725 (PSECU 5/11/13) TU: 711 (5/15/13) EQ: 688 (5/15/13)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 10K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 4.1K Barclays USAir 7/12 | 5K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
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Mega Contributor
LS2982
Posts: 14,365
Registered: ‎04-09-2011

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

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‎09-26-2012 08:48 AM

CONGRATS!!!!

Awesome starting CL!!!


Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 721 5/16/2013
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Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012

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

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‎09-26-2012 12:15 PM

LS2982 wrote:
CONGRATS!!!!

Awesome starting CL!!!

Ditto! Congrats!

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
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Valued Contributor
youngandcreditwrthy
Posts: 3,765
Registered: ‎08-16-2012

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

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‎09-26-2012 12:19 PM

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

Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
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New Contributor
theagent26
Posts: 51
Registered: ‎03-01-2010

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

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‎09-26-2012 01:12 PM

Congrats! Welcome to Amex!


Starting Score: EQ 593 TU 606
Current Score: EQ 674 TU 670 EX 634 (via AMEX on 3/5/12)
Goal Score: 700's baby let's get it!

Take the FICO Fitness Challenge
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Frequent Contributor
JonStur
Posts: 352
Registered: ‎12-25-2010

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

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‎09-26-2012 01:26 PM

Way to go!!!!

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 796 EX 780 EQ 750
Goal Score: 800 Club

Take the FICO Fitness Challenge
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Moderator
webhopper
Posts: 6,581
Registered: ‎09-16-2011

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

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‎09-26-2012 02:49 PM

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 (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!


Take the myFICO Fitness Challenge
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