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January is coming, what else can I do to be ready for Amex BCE?

New Contributor

Re: January is coming, what else can I do to be ready for Amex BCE?

I'm doing the same thing. I just got my green in October and I've run about 2100 through it and probably another 1000 this month. I paid all my cards to 0 except my best buy . I needed TV might pay it before statement cuts. My score now is 683 with with 40% until I'm hoping it goes up with less than 10% until. I want an amex charge either a blue or the spg.
Should I wait til I pay my third statement or it doesn't matter?
11/09 EX 564
10/12 EX 673 TU 674
1/13 TU 686
2/13 EX 701
Goal 750+
Message 11 of 35
Valued Contributor

Re: January is coming, what else can I do to be ready for Amex BCE?


Paperboy999 wrote:
I'm doing the same thing. I just got my green in October and I've run about 2100 through it and probably another 1000 this month. I paid all my cards to 0 except my best buy . I needed TV might pay it before statement cuts. My score now is 683 with with 40% until I'm hoping it goes up with less than 10% until. I want an amex charge either a blue or the spg.
Should I wait til I pay my third statement or it doesn't matter?

Good to see another person in the same boat as me. I would pay down the 40% util to around 10% or less before apping.

 

I also want the SPG. Maybe if I get approve for the BCE, i'll go for SPG also. Smiley Surprised

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 12 of 35
Valued Contributor

Re: January is coming, what else can I do to be ready for Amex BCE?


drkaje wrote:

My BCP turns one in Jan!

 

It's been a pretty great card.


Smiley Surprised How do you like it? How much did you earn so far?

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 13 of 35
Valued Contributor

Re: January is coming, what else can I do to be ready for Amex BCE?


armbenderc wrote:

Paperboy999 wrote:
I'm doing the same thing. I just got my green in October and I've run about 2100 through it and probably another 1000 this month. I paid all my cards to 0 except my best buy . I needed TV might pay it before statement cuts. My score now is 683 with with 40% until I'm hoping it goes up with less than 10% until. I want an amex charge either a blue or the spg.
Should I wait til I pay my third statement or it doesn't matter?

Good to see another person in the same boat as me. I would pay down the 40% util to around 10% or less before apping.

 

I also want the SPG. Maybe if I get approve for the BCE, i'll go for SPG also. Smiley Surprised


I also got the green card in October, have been running about 2k a month through it and paying it about a week after the statement cuts...  looking to apply for the Delta Platinum card on Jan 1.

 

something to think about, even thought you're doing all these things to get approved, it's not going to matter if the soft pull they use was in November.  remember they use the last soft pull to make a credit decision.

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 14 of 35
Valued Contributor

Re: January is coming, what else can I do to be ready for Amex BCE?


ryanbush wrote:

armbenderc wrote:

Paperboy999 wrote:
I'm doing the same thing. I just got my green in October and I've run about 2100 through it and probably another 1000 this month. I paid all my cards to 0 except my best buy . I needed TV might pay it before statement cuts. My score now is 683 with with 40% until I'm hoping it goes up with less than 10% until. I want an amex charge either a blue or the spg.
Should I wait til I pay my third statement or it doesn't matter?

Good to see another person in the same boat as me. I would pay down the 40% util to around 10% or less before apping.

 

I also want the SPG. Maybe if I get approve for the BCE, i'll go for SPG also. Smiley Surprised


I also got the green card in October, have been running about 2k a month through it and paying it about a week after the statement cuts...  looking to apply for the Delta Platinum card on Jan 1.

 

something to think about, even thought you're doing all these things to get approved, it's not going to matter if the soft pull they use was in November.  remember they use the last soft pull to make a credit decision.


Yeah, I was thinking about the same. Maybe someone can also explain. October, my util is about 19% I think. I would rather they have fresh SP before apping, since I have about 8% util now.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 15 of 35
Valued Contributor

Re: January is coming, what else can I do to be ready for Amex BCE?

All you can do is APP, if turned down wait 30 Days an APP again.

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 16 of 35
Valued Contributor

Re: January is coming, what else can I do to be ready for Amex BCE?

@ryanbush
+1 i been apping for the SPG every other month in hope one day they feel bad and just give me it lol
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 17 of 35
Valued Contributor

Re: January is coming, what else can I do to be ready for Amex BCE?


jsickz32 wrote:
@ryanbush
+1 i been apping for the SPG every other month in hope one day they feel bad and just give me it lol

Smiley Very Happy Haha, I hope that I will get it in January, if not... i'll follow your footsteps

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 18 of 35
Valued Contributor

Re: January is coming, what else can I do to be ready for Amex BCE?

I'm really tempted to apply today and see where i'm at lol

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 19 of 35
Valued Contributor

Re: January is coming, what else can I do to be ready for Amex BCE?


ryanbush wrote:

I'm really tempted to apply today and see where i'm at lol


What if you get approved? No backdating Smiley Surprised

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 20 of 35