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Established Contributor
zyzzus
Posts: 523
Registered: ‎10-22-2012

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

[ Edited ]

zyzzus wrote:

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.



My biggest worry is that my accounts are relatively new as a whole and I have a fair amount of Inqs.... fml 

 

Just love me amex

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay$10,000 

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Revelate
Posts: 8,478
Registered: ‎12-30-2011

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


zyzzus wrote:

zyzzus wrote:

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.



My biggest worry is that my accounts are relatively new as a whole and I have a fair amount of Inqs.... fml 

 

Just love me amex


There's a fringe benefit to Amex membership labelled backdating here and elsewhere (though don't call it that to an Amex CSR anecdotally).

 

Basically any card you open in the future gets "backdated" to the year you originally established your Amex membership... assuming they can find your record in the system at least heh.

 

In any event, it's a nice ability to be able to keep one's AAoA up as one transitions through cards over time with Amex.   As the only thing that matters is the year which you establish membership, my point was if that was of interest to you, that there was plenty of time to apply for a charge card (that you admittedly don't want) just to get your foot in the door in '13 than possibly missing it and getting it in '14.

 

Plenty of threads on this forum via searching for more information on the topicm, but it's Amex specific and a nice little thing to have in one's FICO toolbox for as long as they continue doing it.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Established Contributor
zyzzus
Posts: 523
Registered: ‎10-22-2012

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


Revelate wrote:

zyzzus wrote:

zyzzus wrote:

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.



My biggest worry is that my accounts are relatively new as a whole and I have a fair amount of Inqs.... fml 

 

Just love me amex


There's a fringe benefit to Amex membership labelled backdating here and elsewhere (though don't call it that to an Amex CSR anecdotally).

 

Basically any card you open in the future gets "backdated" to the year you originally established your Amex membership... assuming they can find your record in the system at least heh.

 

In any event, it's a nice ability to be able to keep one's AAoA up as one transitions through cards over time with Amex.   As the only thing that matters is the year which you establish membership, my point was if that was of interest to you, that there was plenty of time to apply for a charge card (that you admittedly don't want) just to get your foot in the door in '13 than possibly missing it and getting it in '14.

 

Plenty of threads on this forum via searching for more information on the topicm, but it's Amex specific and a nice little thing to have in one's FICO toolbox for as long as they continue doing it.


understsood.  

 

Honestly if you think I have a fair shake at this I'll app before the b-day I thought I'd have to deliberate until then to feel comfortable. 

 

Bump for the day crew.  What do you think my chances are?

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay$10,000 

Established Contributor
zyzzus
Posts: 523
Registered: ‎10-22-2012

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

applied and denied lol

 

american express hates me.

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay$10,000 

Established Contributor
zyzzus
Posts: 523
Registered: ‎10-22-2012

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

Advice on recon would be appreciated

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay$10,000 

Established Contributor
zyzzus
Posts: 523
Registered: ‎10-22-2012

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

last bump and i'll let this die.

 

I reached out to EO

 

I am honestly frustrated.

 

Our conversation was very brief.  I explained that I wanted to establish a relationship with them and this is my last effort to do so.  I was told I would be contacted within 2 business days.  I do not expect an approval.

 

All three reports were pulled.  Normal reconsideration line said they only pulled TU and said I could dispute the other pulls off lol. 

 

I'll go hang out over here in subprime land :'(

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay$10,000 

Established Contributor
zyzzus
Posts: 523
Registered: ‎10-22-2012

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

To continue my post whore spree...

 


I just got an email saying that my application was in progress wich is concurrent with the app status webpage.

 

Will update with results.

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay$10,000 

Valued Member
NCGirl
Posts: 40
Registered: ‎05-06-2013

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

I was borderline when Amex sent me a pre-approval for their green card. I do not like charge cards because I sometimes make big purchases and like the flex to pay it off within a 3 month timespan. So, I called them and asked if they had another product. It was the Amex rep who mentioned the BCE to me. I app'd for it and was approved for 6,500. My income is $120,000 and my score with EX at that time was 718. There was also a judgment listed on my account which is six years old and some late pay that are two-three years old.


Starting Score: 689
Current Score: 689
Goal Score: 770


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Amex BCE, Discover, FNBO AMEX, Citi Dividend Platinum Select Visa, Blue for Business
(In the garden until November 2013)
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Contributor
ElCamino
Posts: 208
Registered: ‎03-20-2013

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

Get the Green Card. The AF is waived for the first year and any apps you do following that will be SPs if they are denied. It's also reportedlty easier to be approved for than the revolvers, and you'll be backdated when you finally get a revolver.



Amex BCE: $16.5k, Discover It: $5k, Chase Freedom Visa: $10k, Fidelity Amex: $7.5k, PenFed Cash Rewards Visa: $3.5k, CapOne Union Plus MC: $4.5k, Barclays Upromise MC: $5k, BoA Cash Rewards 123 MC: $1.5k
Senior Contributor
john398
Posts: 3,513
Registered: ‎01-19-2009

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


zyzzus wrote:

last bump and i'll let this die.

 

I reached out to EO

 

I am honestly frustrated.

 

Our conversation was very brief.  I explained that I wanted to establish a relationship with them and this is my last effort to do so.  I was told I would be contacted within 2 business days.  I do not expect an approval.

 

All three reports were pulled.  Normal reconsideration line said they only pulled TU and said I could dispute the other pulls off lol. 

 

I'll go hang out over here in subprime land :'(


So you can dispute the other 2 and the CRA will remove the inquires? never heard of that


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