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Valued Member
SubseaEngineer
Posts: 46
Registered: ‎09-07-2012

My AMEX BCP Acceptance Letter

They said my EX FICO was 702 (Fako was 681 at the time).

 

Listed the following detractors from FICO score:

 

Loan balances too high.

Account history too short (I have 2 cards that are less than 1 year old).

Too many recent inquiries (4 in last 2 years, 2 in last year).

Credit limits too low.

Collection / Derogatory status on account.

 

All that and I still got approved for a $10K CL.

Regular Contributor
tylaw13
Posts: 173
Registered: ‎06-28-2012

Re: My AMEX BCP Acceptance Letter

Must be your income.

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Established Contributor
rtw
Posts: 795
Registered: ‎05-01-2012

Re: My AMEX BCP Acceptance Letter

Congrats! Do you mind sharing your approximate income?


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 709 (PSECU 04/05/14) 703 (my FICO 04/14/14) TU: 724(04/14/14) EQ: 676 (04/14/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 4.1K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Frequent Contributor
koalablue
Posts: 321
Registered: ‎05-23-2012

Re: My AMEX BCP Acceptance Letter

Congrats on your approval and the excellent CL!!  Geez, my Exp score is 704 and income is 80,000, and I got denied for the BCP.  Had a 30 day late in Apr. 2011 and also a few recent inquiries.  Will keep trying. 

Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012

Re: My AMEX BCP Acceptance Letter

If you feel comfortable.. what is the stated income?

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Established Contributor
shakalaka
Posts: 546
Registered: ‎09-10-2012

Re: My AMEX BCP Acceptance Letter

Congrats

 

Nice letter, but who cares if one receives the card and 10k :smileyvery-happy:

 


Amex Platinum (NPSL) | Amex BCE (25,000) | Chase Sapphire Preferred (17,400) | Discover IT (11,200) | Chase Freedom (4,800) | Walmart (4,500) | CapOne (1,500) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 754 (1/18) EQ 731 (1/26) EX 748 (12/5)

Valued Member
SubseaEngineer
Posts: 46
Registered: ‎09-07-2012

Re: My AMEX BCP Acceptance Letter

About $135K, had a mortgage for a year, last 30-day late was 3+ years ago. I've had student loans issued since 2005, no lates at all.  A few 60+ that fall off my credit report by January 2013, and 1  collection that falls off in November.

Senior Contributor
youngandcreditwrthy
Posts: 5,994
Registered: ‎08-16-2012

Re: My AMEX BCP Acceptance Letter

Congrats!!!
Niiice! I got $3500 on BCE. Did you not have very much existing open cred? I feel like I'm to the point where I have too much avail cred, and that is why I got a lower limit... My TU Fico from Amex was 696. I might need to actually have some lines lowered to get that 3xcli everyone talks about on here lol... Never thought Id see the day when I'd considering asking for a CLD lololllll
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | CSP $10k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Myponts.com Visa $3.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Member
SubseaEngineer
Posts: 46
Registered: ‎09-07-2012

Re: My AMEX BCP Acceptance Letter

No, didnt have much available.  2 sears cards about 85% each (just bought new appliances).  My discover ($4K Limit) was reporting at about... 25% utilization, showing a high balance previously that was about 75%.


youngandcreditwrthy wrote:
Congrats!!!
Niiice! I got $3500 on BCE. Did you not have very much existing open cred? I feel like I'm to the point where I have too much avail cred, and that is why I got a lower limit... My TU Fico from Amex was 696. I might need to actually have some lines lowered to get that 3xcli everyone talks about on here lol... Never thought Id see the day when I'd considering asking for a CLD lololllll

 

 

2 other cards less than 5% utilization.

Regular Contributor
lanc
Posts: 149
Registered: ‎11-05-2011

Re: My AMEX BCP Acceptance Letter

List of reasons you didn't get a better rate just means you get a free copy of your credit score :smileyhappy:


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