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POLL! Chances of me being approved for BCE on my BDAY

Established Contributor

POLL! Chances of me being approved for BCE on my BDAY

THE ONLY CARD I NOW WANT IS BCE!

 

I am turning 30 on June 13th and am going to app.

 

1 C/O from NAVY from 2008

 

 

INQs on Experian

 

AMERICAN EXPRESS
   Date:   December 15, 2012
FIA CSNA
   Date:   November 23, 2012
AMERICAN EXPRESS
   Date:   September 15, 2012
CHASE
   Date:   September 10, 2012
CHASE
   Date:   August 1, 2012
CAPITAL ONE US CARD
   Date:   January 1, 2012

 

 

Joint card with mother Chase CL 21,200 opend Date Opened:  06/1992

 

 

Cap 1 3,000 CL opened 01/2012

 

Freedom CL 1,400 08/2012

 

Chase Amazon CL 1,400 opened Date Opened:  09/2012

 

FIA Card services CL 10,000 opened Date Opened:  11/2012

 

US Bank cl 3,000 opened 11/2012

 

Priceline cl 2,000 opened Date Opened:  11/2012

 

Sallie Mae cl 2,000 opened 04/2013

 

Sapphire Prefferred cl 5,000 opened 04/2013

 

 

EQUIFAX inqs

 

Company Information: ALLIANT CREDIT UNION
Date of Inquiry: 04/17/13
Dispute Item

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Company Information: AMERICAN EXPRESS TRS CO, INC
Date of Inquiry: 12/15/12
Dispute Item
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Company Information: ING DIRECT
Date of Inquiry: 01/10/12
Dispute Item
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Company Information: CAPITAL ONE BANK USA NA
Date of Inquiry: 01/01/12
Dispute Item
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Company Information: COMCAST - CHICAGO
Date of Inquiry: 06/10/11
Dispute Item
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Company Information: DIGITAL FEDERAL CREDIT UNION
Date of Inquiry: 04/16/13
 

Transunion Inqs

 

B OF A/FIA CARD SERVICES
PO BOX 982238 
EL PASO, TX  79998
(800) 421-2110
Inquiry Type: Individual
Requested On: 05/17/2013
BARCLAYS BANK DELAWARE
PO BOX 8803 
WILMINGTON, DE  19899
(866) 370-5931
Inquiry Type: Individual
Requested On: 04/11/2013, 11/14/2012
GREAT LAKES CREDIT U via GREAT LAKES CU/CUDL
525 CLARK AVE 
BLDG 290 
GREAT LAKES, IL  60088
(847) 689-1510
Inquiry Type: Individual
Permissible Purpose: CREDIT TRANSACTION
Requested On: 12/18/2012
AMERICAN EXPRESS
4315 S 2700 WEST 
ST. LAKE CITY, UT  84184
Phone number not available
Inquiry Type: Individual
Requested On: 12/15/2012
US BANK
4325 17TH AVE SW 
FGNDS1A1 
FARGO, ND  58125
Phone number not available
Inquiry Type: Individual
Requested On: 11/01/2012
CHASE BANK USA N.A.
PO BOX 15298 
WILMINGTON, DE  19850
(800) 955-9900
Inquiry Type: Individual
Requested On: 09/10/2012, 08/01/2012, 05/25/2012
CAPITAL ONE BANK USA NA
PO BOX 30281 
SALT LAKE CITY, UT  84130
(800) 955-7070
Inquiry Type: Individual
Requested On: 01/01/2012

 

 

 

 

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Message 1 of 23
22 REPLIES
Valued Contributor

Re: POLL! Chances of me being approved for BCE on my BDAY

Why not app for Amex PRG to get your foot in the door. If you feel that you can get the BCE, go for it. Many people on here got revolver off the bat with Amex.
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 2 of 23
Established Contributor

Re: POLL! Chances of me being approved for BCE on my BDAY


armbenderc wrote:
Why not app for Amex PRG to get your foot in the door. If you feel that you can get the BCE, go for it. Many people on here got revolver off the bat with Amex.

my theory is that with my last app pulling all three beureaus and not reconning (i didn't know you could recon amex Smiley Sad) i was borderline and they wanted to approve me for bce.

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Message 3 of 23
Super Contributor

Re: POLL! Chances of me being approved for BCE on my BDAY

I would app charge and if approved then app BCE the AF fee is waived the first year anyway on the charge card. You have a year to cancel if you wish

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 23
Established Contributor

Re: POLL! Chances of me being approved for BCE on my BDAY


myjourney wrote:

I would app charge and if approved then app BCE the AF fee is waived the first year anyway on the charge card. You have a year to cancel if you wish


The benefit is that the charge card is easier to be approved for.  

 

Wouldn't they want to approve someone borderline for one card versus two?  

 

i honestly don't think that I would use the charge card.  BCE fills the gap if I run through grociers with Sallie mae :/

 

edit: what are you apping for in june Smiley Happy?

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Message 5 of 23
Super Contributor

Re: POLL! Chances of me being approved for BCE on my BDAY


zyzzus wrote:

myjourney wrote:

I would app charge and if approved then app BCE the AF fee is waived the first year anyway on the charge card. You have a year to cancel if you wish


The benefit is that the charge card is easier to be approved for.  

 

Wouldn't they want to approve someone borderline for one card versus two?  

 

i honestly don't think that I would use the charge card.  BCE fills the gap if I run through grociers with Sallie mae :/

 

edit: what are you apping for in june Smiley Happy?


I see your point but if they don't approve you for BCE then you have to keep applying. With the charge card which is easier to be approved for your foot is in the door and it will always be a SP for BCE until approved thats the plus side of the foot in the door route 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 23
Moderator

Re: POLL! Chances of me being approved for BCE on my BDAY

Personally unless they were going to quibble over the CO (is it paid?) I'd just app for the revolver I wanted now.

 

There's plenty of time left in the year to app for a charge card if you're looking for the membership stamp for future backdating, but unless Amex has you as an internal issue, I don't see a problem given that you've already qualified via what's accepted as a more challenging underwriting decision from Chase.

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 741, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (1/1/18)
Goal Score:    EQ 5 771, TU 4 750, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (01/01/19)


Take the myFICO Fitness Challenge
Message 7 of 23
Super Contributor

Re: POLL! Chances of me being approved for BCE on my BDAY


zyzzus wrote:

myjourney wrote:

I would app charge and if approved then app BCE the AF fee is waived the first year anyway on the charge card. You have a year to cancel if you wish


The benefit is that the charge card is easier to be approved for.  

 

Wouldn't they want to approve someone borderline for one card versus two?  

 

i honestly don't think that I would use the charge card.  BCE fills the gap if I run through grociers with Sallie mae :/

 

edit: what are you apping for in june Smiley Happy?


Lol Amex charge and if approved immediately BCE 

strange you asked that's my route wish me luck as I do you Lol

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 8 of 23
Moderator Emerita

Re: POLL! Chances of me being approved for BCE on my BDAY

If you don't need the charge and really want the BCE then I guess you gotta go for it!

Good luck!
Message 9 of 23
Established Contributor

Re: POLL! Chances of me being approved for BCE on my BDAY


Revelate wrote:

Personally unless they were going to quibble over the CO (is it paid?) I'd just app for the revolver I wanted now.

 

There's plenty of time left in the year to app for a charge card if you're looking for the membership stamp for future backdating, but unless Amex has you as an internal issue, I don't see a problem given that you've already qualified via what's accepted as a more challenging underwriting decision from Chase.

 


debt is not paid.  Navy sold the debt to a collector that is not reporting.  They softed me in may of 12 but never reported.  its WAY past SOL.  I offered to pay Navy but I found out too late.  C/O is for 1,000

 

I've done personal banking with chase and had a fair amount of money with them which helped with the approvals there.

 

Can you explain to me the underlined portion above?  I don't follow excuse my ignorance.

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Message 10 of 23