Reply
Established Contributor
Posts: 573
Registered: ‎10-21-2012
0

OH NO!! AMEX BCP App

So, after being emboldened by my CSP success I decided to app for AMEX BCP.  Got pending review message.  Says I'll get something in the mail in 14 days.  

 

I'm assuming this means I'm declined?  Is there a recon number or a way to find out?

 

:smileysad:



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,970
Registered: ‎09-16-2011
0

Re: OH NO!! AMEX BCP App

Google the AMEX application status page, some time the App isn't processed in  the 30 seconds or so they allow, and the card is approved by the time you check that page, if its is approved, you can call the phone number and get the CL via the automated system.

 

Did the same thing to me this morning with my AMEX Hilton Surpass card.

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Established Contributor
Posts: 573
Registered: ‎10-21-2012
0

Re: OH NO!! AMEX BCP App

Found it...says "In Progress"

 

:smileysad:



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Established Contributor
Posts: 573
Registered: ‎10-21-2012
0

Re: OH NO!! AMEX BCP App

If they decline me, can I recon?  



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 267
Registered: ‎03-15-2012
0

Re: OH NO!! AMEX BCP App

Yes

Fico Scores: 763 EQ(12/11/12) 768 TU(12/11/12) ? EX(TBD)
Citi Double Cash 10K PenFed Plat Rewards 8.5K Citi Forward $7.1K AMEX BCE 6K AMEX Zync NPSL(AU) Discover it 5K Wells Fargo Cash Back $2.3K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed)
Valued Contributor
Posts: 1,970
Registered: ‎09-16-2011
0

Re: OH NO!! AMEX BCP App

Yes but it will require another HP, and usually preceeded by you faxing in a copy of your credit report that shows good reason why you should be approved. Its an uphill battle to win the process but some here have reported success.  If they deny you, you can just wait another 45 days again and AP again, perhaps a Charge card is a good way to get in the door, PRG is a good card with AF waived the first year.

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Established Contributor
Posts: 727
Registered: ‎01-13-2013
0

Re: OH NO!! AMEX BCP App

It took my DW 5 days in progress to finally be seen by an underwriter and get approved. i will advise you to wait for a result. checking the status page will be faster than mail, and not calling and pushing a descion might help you.

 

by the way they pulled the CR the same day they approved her, 5 days after the initial app.

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Frequent Contributor
Posts: 371
Registered: ‎12-30-2012
0

Re: OH NO!! AMEX BCP App

I applied for the BCE last night. I am in processing too. =(   I guess thats better than the last three times I applied. Those were instant denials.


CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
Discover It-$6600, USAA MC-$5900 Ink Bold- $18k
EQ-742 EX-702 TU-737
Established Contributor
Posts: 573
Registered: ‎10-21-2012
0

Re: OH NO!! AMEX BCP App

HOLY CR@P!     3, count 'em, 3 HPs!    Still says "In Progress".   :smileysad:   Ugh.



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: OH NO!! AMEX BCP App

Ouch! Hope you get it Electra.

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

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.