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New Member
mtejeda
Posts: 5
Registered: ‎11-27-2012
0

How likely am I to get approved for BCE?

My AAoA is 8 months and my oldest TL is 1 year and 4 months

Chase Freedom opened 9/12

Discover More opened 8/12

Wells Fargo Cash Back opened 1/12

 

I have a few student loans as well, I am just waiting until next month in order to drop my utilization to about 3%

 

Do you guys think I have a shot? or should I try for a charge card?

 

 

Valued Contributor
daybreakgonesXe
Posts: 1,776
Registered: ‎11-17-2012
0

Re: How likely am I to get approved for BCE?

In my personal opinion you're more likely to be approved for a charge than the BCE so far. If you're willing to wait at least 4 months, then you have a good shot at the BCE!

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k

EQ FICO 709 TU FICO 746 Credit Karma (TU) 779 Transrisk 817/990 Credit Sesame (EX) 761 Credit.com (EX) 762 VantageScore 3.0 736 Quizzle (EQ) 741
New Contributor
Brandnick
Posts: 85
Registered: ‎11-07-2012
0

Re: How likely am I to get approved for BCE?

[ Edited ]

What is your fico score now ? 

 

Based on a lot of other persons posts you should be safe if you are over 720,  however I have seen persons getting approved with score starting from 680

 

The more important question is what is the purpose of getting a new card if its " just because " then don't get one if it because you need it them try. 

 

 

Current Score: 771 - 11/21/2012/ Amex Pull
Late Payment: 0 / Collections: 0
AAOA: 6.3 Years

"My Scores Yesterday or Last week or even Last month has no value when applying for credit today. The value is not in my score but the information in my credit file. Once the information is good the score will follow"
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: How likely am I to get approved for BCE?

i would guess 25% chance at best


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
New Member
mtejeda
Posts: 5
Registered: ‎11-27-2012
0

Re: How likely am I to get approved for BCE?


Brandnick wrote:

What is your fico score now ? 

 

Based on a lot of other persons posts you should be safe if you are over 720,  however I have seen persons getting approved with score starting from 680

 

The more important question is what is the purpose of getting a new card if its " just because " then don't get one if it because you need it them try. 

 

 


My fico score is 704. I am getting this card mainly because of the consistent reward categories on gas and groceries plus no AF

New Member
mtejeda
Posts: 5
Registered: ‎11-27-2012
0

Re: How likely am I to get approved for BCE?


distantarray wrote:

i would guess 25% chance at best


So if I apply 4 times in a row i'll get it? Sweet!!!! haha jk

New Contributor
Brandnick
Posts: 85
Registered: ‎11-07-2012
0

Re: How likely am I to get approved for BCE?

[ Edited ]

Ok 704 you have increased your chance to about 70% the risk to Amex is your credit is really young without much history . 

Current Score: 771 - 11/21/2012/ Amex Pull
Late Payment: 0 / Collections: 0
AAOA: 6.3 Years

"My Scores Yesterday or Last week or even Last month has no value when applying for credit today. The value is not in my score but the information in my credit file. Once the information is good the score will follow"
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: How likely am I to get approved for BCE?

lol reminds me of dumb and dumber quote "so do I have a chance? like one in a hundred? no.... one in a million..... so ... your telling me I have a chance! YEA!


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
CruzImperial
Posts: 867
Registered: ‎07-04-2012
0

Re: How likely am I to get approved for BCE?

My best bet is to wait until April and you guarantee the approval. Right now there is a risk with new trade lines and young history.
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Frequent Contributor
sakhalin070
Posts: 292
Registered: ‎08-28-2012
0

Re: How likely am I to get approved for BCE?

Have you tried AMEX's pre-selector?

AMEX BCE, Discover IT, Citi Forward, BoA Travel Rewards

FICO: TU 781 EX 776 Last App: November 2012

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