Hard Inquiries and AMEX

[Anonymous]

Thanks everyone.

Let's see. Total income is 65k.

My current credit lines are:

Capital One - 15k

Discover - 14.5k

Chase - 7.5k

Chase - 2.25k

US Bank - 1.5k

Student Loans have about $11,000 to go.

What do you guys think?

[RyVision]

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@Anonymous wrote:

Thanks everyone.

Let's see. Total income is 65k.

My current credit lines are:

Capital One - 15k

Discover - 14.5k

Chase - 7.5k

Chase - 2.25k

US Bank - 1.5k

Student Loans have about $11,000 to go.

What do you guys think?

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If your recent INQs aren't on EX, I'd think you'd be fine.  With a 7 year AAoA and spotless reports and your current cards (Chase and Discover mean something to AMEX, they compete a little);   At 65k I think you'd have a very high chance of approval.  

Only question I'd have for you would be is the AF for the BCP worth it over the BCE for rewards?  I was chicken and just applied for the plain AMEX Blue (was told I could have had any of the Blues but could upgrade after 13 months without even so much as a soft pull if my reports remained consistent).

[severine]

FWIW I app'd and was approved for the Amex Gold Delta, PRG and BCP all within two weeks of having been approved for a Chase Freedom and Sappphire Preferred, so I don't think from the standpoint of recent inquiires there should be too much of a problem. I agree with the other posters that income is a key factor, and from what you've said, you should be fine.

[Anonymous]

I went for it, applied, and got a "pending review."

Boo.

[CribDuchess]

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@Anonymous wrote:

I went for it, applied, and got a "pending review."

Boo.

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You can check the status of your app here:  www.americanexpress.com/applicationstatus

A lot of times, you'll get the 7-10 day pending review message and then if you check the status online, you may see Approved.  I hope that's the case for you.  Good luck!!

[Anonymous]

Oh awesome - I got approved!! Thanks

Can't wait to see what the limit is, though!

[CribDuchess]

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@Anonymous wrote:

Oh awesome - I got approved!! Thanks

Can't wait to see what the limit is, though!

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Fantastic!!  Congratulations!    Just call them up, they will be happy to tell you your starting limit.  That's what I did when I got approved for mine.

[tinuviel]

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@Anonymous wrote:

Oh awesome - I got approved!! Thanks

Can't wait to see what the limit is, though!

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Congrats!!!

[SnackTrader]

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@Anonymous wrote:

Oh awesome - I got approved!! Thanks

Can't wait to see what the limit is, though!

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Congratulations!  I bet the limit will be just fine given the limits on your other cards. 

Thanks for providing all of this info.  As someone who plans on applying for the BCP in January, I really appreciate knowing more about the situations of others with the BCP. 

[Anonymous]

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@SnackTrader wrote:

Thanks for providing all of this info.  As someone who plans on applying for the BCP in January, I really appreciate knowing more about the situations of others with the BCP. 

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Sure no problem! I wish that this forum had individual threads for each card where people could put their profile and if they got approved or denied.

Also I called them - and got a limit of 15k. I'm ASTOUNDED.