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Just got my new AMEX BPC.... Finally!!

Regular Contributor

Just got my new AMEX BPC.... Finally!!

So I only have one question (right now, at least)... I got a 17.24% according to my card agreement. Did I get the best rate?

 

 

And if so, does that mean I won't get a free EX Fico score??

Fico Scores: TU 700 (10/12/2016) EQ 729 (10/01/2016) EX 713 (10/01/16)

AMEX BCP $25,000 (opened 09/2012) - Citi TYP $12,000 (opened 12/2012) Chase Sapphire Preffered $6000 (opened 09/2012)
Message 1 of 15
14 REPLIES
Frequent Contributor

Re: Just got my new AMEX BPC.... Finally!!

My BCP is 15.24% so 17.24% is not their lowest APR. Not sure if 15.24% is the lowest either. 

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Message 2 of 15
Frequent Contributor

Re: Just got my new AMEX BPC.... Finally!!

Oh, and congratz! I love my BCP! Enjoy all the cash back!

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Message 3 of 15
Regular Contributor

Re: Just got my new AMEX BPC.... Finally!!

: )  thank you, really worked hard to get my score good enough. This card has been on my wishlist for the longest time.

 

 

  I looked on their website under 'terms, conditions, & disclosures" and it said

 

0.0% introductory APR for the first
12 months.

After that, your APR will be 17.24, 20.24 or 22.24%, based
on your creditworthiness as determined at the time of account opening. This APR
will vary with the market based on the Prime Rate.

 

 

I wonder if your rate is not offered anymore as a starting rate??

Fico Scores: TU 700 (10/12/2016) EQ 729 (10/01/2016) EX 713 (10/01/16)

AMEX BCP $25,000 (opened 09/2012) - Citi TYP $12,000 (opened 12/2012) Chase Sapphire Preffered $6000 (opened 09/2012)
Message 4 of 15
Frequent Contributor

Re: Just got my new AMEX BPC.... Finally!!


irving_magik wrote:

: )  thank you, really worked hard to get my score good enough. This card has been on my wishlist for the longest time.

 

 

  I looked on their website under 'terms, conditions, & disclosures" and it said

 

0.0% introductory APR for the first
12 months.

After that, your APR will be 17.24, 20.24 or 22.24%, based
on your creditworthiness as determined at the time of account opening. This APR
will vary with the market based on the Prime Rate.

 

 

I wonder if your rate is not offered anymore as a starting rate??


I only pc'd to the BCP from the HHonors in April so I'm not sure. I wish I had done it sooner or even had it from the beginning because of love the cash back!

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Message 5 of 15
Regular Contributor

Re: Just got my new AMEX BPC.... Finally!!

Hmmmm, I guess I'll have to wait and see if I get a letter with my Fico score or not.

Fico Scores: TU 700 (10/12/2016) EQ 729 (10/01/2016) EX 713 (10/01/16)

AMEX BCP $25,000 (opened 09/2012) - Citi TYP $12,000 (opened 12/2012) Chase Sapphire Preffered $6000 (opened 09/2012)
Message 6 of 15
Frequent Contributor

Re: Just got my new AMEX BPC.... Finally!!


irving_magik wrote:

So I only have one question (right now, at least)... I got a 17.24% according to my card agreement. Did I get the best rate?

 

 

And if so, does that mean I won't get a free EX Fico score??


Congrats on your BCP approval! Got mine last week and loving it! You may have received the best rate AMEX was offering at the time you applied.

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Message 7 of 15
Regular Contributor

Re: Just got my new AMEX BPC.... Finally!!


SpiceIslander wrote:

irving_magik wrote:

So I only have one question (right now, at least)... I got a 17.24% according to my card agreement. Did I get the best rate?

 

 

And if so, does that mean I won't get a free EX Fico score??


Congrats on your BCP approval! Got mine last week and loving it! You may have received the best rate AMEX was offering at the time you applied.


   Thank you!!! I finally used the card this morning at Starbucks..... and this might sound lame, but I got a really weird sense of accomplishment when I paid using my very first AMEX.... hahahaha..... I know, weird.

Fico Scores: TU 700 (10/12/2016) EQ 729 (10/01/2016) EX 713 (10/01/16)

AMEX BCP $25,000 (opened 09/2012) - Citi TYP $12,000 (opened 12/2012) Chase Sapphire Preffered $6000 (opened 09/2012)
Message 8 of 15
Established Contributor

Re: Just got my new AMEX BPC.... Finally!!

Congrats

Message 9 of 15
Valued Contributor

Re: Just got my new AMEX BPC.... Finally!!


irving_magik wrote:

Hmmmm, I guess I'll have to wait and see if I get a letter with my Fico score or not.


Usually, the letter comes a day or so before the card if you don't get their best rates.

 


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Message 10 of 15