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Lowest ICL for BCE

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Yankeefan
Valued Member

Lowest ICL for BCE

So I went on a little app spree this week, decided it was time to get rid of my college cards.  Applied for Citi TY, approved at $6.5K, Freedom approved at $6K, BCE approved at $1K.  All approvals were instant, but I did have to call Chase and Amex to get my lines of credit.  

 

Has anyone seen a BCE issued with a lowly $1K line?  Do you think I can get $3K at 61 days, $9K at six months and $25K after 14 months? 

Message 1 of 15
14 REPLIES 14
youngandcreditwrthy
Senior Contributor

Re: Lowest ICL for BCE

I've only seen/heard of one op getting a $1k icl with Amex. The median lowest icl with Amex seems to be $2k. You can get a 3xcli IF you don't open any more accts, keep util low, pif, and stop dead in your tracks with the credit seeking! The low limit may be a result of your income compared to your limits if you have a lot of avail credit. I got an icl of $3,500.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 2 of 15
armbenderc
Valued Contributor

Re: Lowest ICL for BCE

Personally, if I were you, I would be happy that I got approved with BCE, specially you just app for the other two.

 

That's just me, and I may be wrong. Smiley Very Happy

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 3 of 15
youngandcreditwrthy
Senior Contributor

Re: Lowest ICL for BCE

+1. Amex BCE is love
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 4 of 15
Yankeefan
Valued Member

Re: Lowest ICL for BCE

I currently have $4.5k in student loan debt, with an income of $72K. My  previous lines of credit were $750 and $1k, with 5 % UTI.  No other debt.

Message 5 of 15
youngandcreditwrthy
Senior Contributor

Re: Lowest ICL for BCE

Oh then they should have allowed you a muuuch higher limit.
My income is similar, except I have $36k in student loans, but I also have $80k in avail revolving credit. Hmmmm interesting
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 6 of 15
patsfan1453
Regular Contributor

Re: Lowest ICL for BCE

I'm in the same boat as you...1k limit on BC should be getting here tmrw. I can tell I was very borderline as they pulled all 3 reports.

Amex Everyday 6k || Chase Sapphire 5k || Buypower Card 5k || USAA Wounded Warrior Mastercard 4k || Citi TYP 4.9k|| Citi Forward 5.5k || Discover It 2k || Chase Freedom 5.5k || Walmart 1k || Chase Amazon 1k
Business: Chase ink cash 5k || AMEX Simply Cash 3.8k
Total CLs: 48.7k
Message 7 of 15
wallyworld123
Frequent Contributor

Re: Lowest ICL for BCE

Congrats u have some nice cards. Be happy you are in the amex family  61 days is not far away. Congrats againSmiley Happy

Message 8 of 15
Anonymous
Not applicable

Re: Lowest ICL for BCE

You may be able to get those credit limit increases, but they certainly aren't guaranteed.

Message 9 of 15
youngandcreditwrthy
Senior Contributor

Re: Lowest ICL for BCE

Nothing in life is guaranteed :-P. They pulled all three of my reports too :-(.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
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