Re: Preparing for BCE App

drew11 · ‎06-20-2012

jake619 wrote:
I'm definitely not tracking this backdating topic properly. If a card is backdated then what value is the year of acquisition when calculating AAoA?

It doesn't matter what year you acquire the card because you already established a history with Amex in 1995. Therefore, whenever you get approved for subsequent Amex cards the activation date of that card will be the month that it was opened but in 1995. In other words, if you get approved for BCE this month it will say it was opened in December 1995. However, if you wait until January (which is what I am doing) and are approved then it will say the card was opened in January 1995 (thus giving you an additional 11 months of backdating for your AAoA).

jake619 · ‎11-13-2012

I see. This other thread has me questioning this though. http://ficoforums.myfico.com/t5/Credit-Cards/Amex-question/m-p/1744586#M485485


GangnamFICO wrote:
Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.

Minor vulgarity edit --Rev

drew11 · ‎06-20-2012

No everyone's reply (besides CotySinz) is correct and matches what we just said.

jake619 · ‎11-13-2012

I couldn't help myself... I did it.

Filled it out and got this:

Hit up the status page 2 minutes later and got this

Called the backdoor number and the Rep said I was approved for a $3400 CL. Rep said only TU was queried but refused to provide the FICO. I thought that was odd since so many see AMEX hit EX. Who cares, I'm back in with AMEX. Happy days!


GangnamFICO wrote:
Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.

Minor vulgarity edit --Rev

Rhaeny · ‎07-24-2011

jake619 wrote:
I couldn't help myself... I did it.

Filled it out and got this:
Hit up the status page 2 minutes later and got this
Called the backdoor number and the Rep said I was approved for a $3400 CL. Rep said only TU was queried but refused to provide the FICO. I thought that was odd since so many see AMEX hit EX. Who cares, I'm back in with AMEX. Happy days!

Well now congratulations my friend!!

I can't wait until I'm eligible to apply for one but I think it might be awhile for me. Anyways congrats again on your success!

Starting Scores: EX 722 (USAA), TU 637 (Walmart), EQ 706 (myFico)
Current Scores: EX 719 (Lender pull), TU 670 (Walmart), EQ 705 (DCU)
Goal Scores: 750 across the board
Emergency gardening mode~~Last app: 6/7/2013

texaspete2012 · ‎04-27-2012

Congrats!!!

Amex Gold (NSL) 9/12
Chase Freedom (2200) 5/12
Citi Thank You Pref. (4000) 4/12
USAA AMEX (4000) 11/12
BOA VISA SIG CASH (5000) 12/12
Amex Gold Small Biz (NSL) 11/12

Cdnewmanpac · ‎01-16-2012

Congrats. Keep in mind that if you get the best interest rate, you will not get a fico score. They only send if the score was involved in a decision to give you less than the best advertised rate.

9500 5000 13000 3000 3000 5000

JonStur · ‎12-25-2010

Way to go!!!!

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club
BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K

jsickz32 · ‎06-25-2012

congrats!!

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / BofA Total rewards (2500) / BofA Amex (3900) / Bofa cash rewards (5700) / BofA Privileges Cash Rewards (5000) / Citi Forward (3000) / Chase Freedom (3500) / Discover IT (1700) / FNBO AMEX (3600) / Barclays Apple Visa (3960) / NFCU cashRewards Visa signature (12500) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (601) / PayPal Smart connect (2200)

jake619 · ‎11-13-2012

Thanks, everybody. Is it odd for them to only look at TU? I'm in CA, would that matter? I just see a lot of people write how they'd bet money on AMEX pulling EX. I guess it doesn't really matter though.

For those that are curious, my most recent TU FICO (quarterly monitoring from here) was 677, no past due accounts, 20 yr credit history, 5 of 15 accounts with negative remarks (all over 3 years ago) and 3 CO's (all over 3 years ago). I must admit, I was surprised to be approved. Currently I have a Cap1 CL 750 and a Barclay Rewards CL 1900.

This approval will likely shut me down for a while.


GangnamFICO wrote:
Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.

Minor vulgarity edit --Rev

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