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Contributor
wealthcreator
Posts: 211
Registered: ‎07-02-2012

Please Review my BCE Plan

[ Edited ]

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.

Walmart TU-724 on 12-2012
EX-707 on 08-2012
EQ-668on 08-2012
_________________________________
Wallet - Discover 1500 | Chase Freedom 1500 | OldNavy Visa 2750 | Walmart 2000 | Amex BCE 6000 | BoA Visa Sig 5000 | Chase Marriott 5000 | Amex Hhonor 2000 | CSP 5000
__________________________________________
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Please Review my BCE Plan


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.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
wealthcreator
Posts: 211
Registered: ‎07-02-2012

Re: Please Review my BCE Plan


LS2982 wrote:

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.

 


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)

 

Walmart TU-724 on 12-2012
EX-707 on 08-2012
EQ-668on 08-2012
_________________________________
Wallet - Discover 1500 | Chase Freedom 1500 | OldNavy Visa 2750 | Walmart 2000 | Amex BCE 6000 | BoA Visa Sig 5000 | Chase Marriott 5000 | Amex Hhonor 2000 | CSP 5000
__________________________________________
Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

Re: Please Review my BCE Plan

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
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

Re: Please Review my BCE Plan

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

:-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
tylaw13
Posts: 173
Registered: ‎06-28-2012

Re: Please Review my BCE Plan

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.

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)
Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

Re: Please Review my BCE Plan

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
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

Re: Please Review my BCE Plan

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
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
tylaw13
Posts: 173
Registered: ‎06-28-2012

Re: Please Review my BCE Plan


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

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.

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)
Moderator
Revelate
Posts: 8,138
Registered: ‎12-30-2011

Re: Please Review my BCE Plan


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)

 


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.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 703, TU 708, EX 702* (05/30/14, EX older)
Goal Score: 700 in all three (01/01/15)


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