Credit Cards

[wealthcreator]

Hello Friends,

I have started a thread couple of days back for BCE app.

http://ficoforums.myfico.com/t5/Credit-Cards/Zync-Gone-Now-What-are-chances-for-BCE-or-BCP/td-p/1616...

Now Zync is not available so changing my plan.

App for Green as I have pre-approved offer. After approval I will apply for BCE. If BCE approved then it will be only 1 HP. I will cancel Green card within year (no AF for 1st year) because I dont want to pay $95 annually.

If denied for BCE then I will apply in Jan for BCE and cancel my Green Card.

(I have pre-approved offers of Green and Gold, which will be better for future chances of BCE?)

Please share your views.

[LS2982]

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wealthcreator wrote:

Hello Friends,

I have started a thread couple of days back for BCE app.

http://ficoforums.myfico.com/t5/Credit-Cards/Zync-Gone-Now-What-are-chances-for-BCE-or-BCP/td-p/1616...

Now Zync is not available so changing my plan.

App for Green as I have pre-approved offer. After approval I will apply for BCE. If BCE approved then it will be only 1 HP. I will cancel Green card within year (no AF for 1st year) because I dont want to pay $95 annually.

If denied for BCE then I will apply in Jan for BCE and cancel my Green Card.

Please share your views.

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Sounds like a plan.

Except I would wait a year before apping for BCE again if you get denied after Green approval.

[wealthcreator]

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LS2982 wrote:

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wealthcreator wrote:

Hello Friends,

I have started a thread couple of days back for BCE app.

http://ficoforums.myfico.com/t5/Credit-Cards/Zync-Gone-Now-What-are-chances-for-BCE-or-BCP/td-p/1616...

Now Zync is not available so changing my plan.

App for Green as I have pre-approved offer. After approval I will apply for BCE. If BCE approved then it will be only 1 HP. I will cancel Green card within year (no AF for 1st year) because I dont want to pay $95 annually.

If denied for BCE then I will apply in Jan for BCE and cancel my Green Card.

Please share your views.

---

Sounds like a plan.

Except I would wait a year before apping for BCE again if you get denied after Green approval.

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I plan to keep applying for BCE after every 3 months till approval. It will be SP on denial because I will be Amex member. That is also one reason I am apping for Green before BCE. Last time I was not aware of this procedure and got denied for BCE (otherwise I should have Zync by now :-( and in hunt of BCE)

[youngandcreditwrthy]

What is your score??
Aaoa? Util?

Inqs?

I just got Amex BCE with 696 Tu Fico. 3 years aaoa, 13% util, 30k deferred student loans....limit of $3,500 btw

[youngandcreditwrthy]

I had like 1-3 inqs on each report in past 6 mos, about 10 inqa on each report past two years.

:-)

[tylaw13]

I say app for just the BCE no point in getting a card you dont want. Either way it will be only 1 HP because your only apping for 1 card. I say you have a good shot at the BCE. I just got approved for the BCE and you can see me scored below and i had under 1 year of AAoA.

[youngandcreditwrthy]

Yeah... The BCE is my first real Amex... Just go straight for it, I could never bring myself to app for an Amex charge card I didnt want... Lol

[youngandcreditwrthy]

They hp'd me on every report last night here in Tx, so be aware of that as well. And idk my other Fico scores lol other than 696 TU

[tylaw13]

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youngandcreditwrthy wrote:
They hp'd me on every report last night here in Tx, so be aware of that as well. And idk my other Fico scores lol other than 696 TU

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Must of been borderline then. They pulled only EX for my here in SoCal and according to my auto refinance my score is a 700. Well see what my score is from AMEX because im sure i didnt get the best terms.

[Revelate]

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wealthcreator wrote:

I plan to keep applying for BCE after every 3 months till approval. It will be SP on denial because I will be Amex member. That is also one reason I am apping for Green before BCE. Last time I was not aware of this procedure and got denied for BCE (otherwise I should have Zync by now :-( and in hunt of BCE)

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Anecdotally this appears to have delayed some people's getting various cards with Amex.  I wouldn't chase the consistent application route such as you're doing honestly.  While I don't know about a year as LS recommends, January is a reasonable bet but I wouldn't app again in April.  Amex anecdotally dislikes "frivolous" applications.