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Member
DailyGrind
Posts: 7
Registered: ‎09-18-2012
0

Re: Hard Inquiries and AMEX

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?

 

 

Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011
0

Re: Hard Inquiries and AMEX


DailyGrind 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?

 

 


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).

Contributor
severine
Posts: 122
Registered: ‎08-19-2012
0

Re: Hard Inquiries and AMEX

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.

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784
Member
DailyGrind
Posts: 7
Registered: ‎09-18-2012
0

Re: Hard Inquiries and AMEX

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

 

Boo.

 

Established Contributor
CribDuchess
Posts: 658
Registered: ‎09-12-2011
0

Re: Hard Inquiries and AMEX


DailyGrind wrote:

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

 

Boo.

 


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!!

 

FICOs: TU08 841 10/6/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 800 11/8/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $15.1K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Member
DailyGrind
Posts: 7
Registered: ‎09-18-2012
0

Re: Hard Inquiries and AMEX

Oh awesome - I got approved!! Thanks :smileyhappy:

 

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

Established Contributor
CribDuchess
Posts: 658
Registered: ‎09-12-2011
0

Re: Hard Inquiries and AMEX


DailyGrind wrote:

Oh awesome - I got approved!! Thanks :smileyhappy:

 

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


Fantastic!!  Congratulations!  :smileyhappy:  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.

FICOs: TU08 841 10/6/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 800 11/8/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $15.1K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Hard Inquiries and AMEX


DailyGrind wrote:

Oh awesome - I got approved!! Thanks :smileyhappy:

 

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


 

Congrats!!! :smileyvery-happy:

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
0

Re: Hard Inquiries and AMEX


DailyGrind wrote:

Oh awesome - I got approved!! Thanks :smileyhappy:

 

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


 

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. 


In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Member
DailyGrind
Posts: 7
Registered: ‎09-18-2012
0

Re: Hard Inquiries and AMEX


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. 


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.

 


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