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My AMEX BCP Acceptance Letter

Valued Member

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.

Message 1 of 13
12 REPLIES
Regular Contributor

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)
Message 2 of 13
Established Contributor

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: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
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 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 3 of 13
Frequent Contributor

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. 

Message 4 of 13
Regular Contributor

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 Smiley Happy
Message 5 of 13
Established Contributor

Re: My AMEX BCP Acceptance Letter

Congrats

 

Nice letter, but who cares if one receives the card and 10k Smiley Very Happy

 



FICO (TU/EX/EQ): 737/743/739 - Total CL 244+K
Message 6 of 13
Valued Member

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.

Message 7 of 13
Senior Contributor

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| 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 8 of 13
Valued Member

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.

Message 9 of 13
Regular Contributor

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 Smiley Happy

Message 10 of 13