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Regular Contributor
Posts: 121
Registered: ‎06-20-2012
0

Re: Preparing for BCE App


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).
06/16/13 Equifax FICO 733
06/16/13 Experian FICO 745
06/16/13 TransUnion FICO 740

PenFed Platinum: $1000 | Chase Freedom: $5500 | Discover IT: $1500 | Amex BCP $17,600 | Chase CSP: $8000 | Chase Hyatt: $5000
Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
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Re: Preparing for BCE App

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



Regular Contributor
Posts: 121
Registered: ‎06-20-2012
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Re: Preparing for BCE App

No everyone's reply (besides CotySinz) is correct and matches what we just said.
06/16/13 Equifax FICO 733
06/16/13 Experian FICO 745
06/16/13 TransUnion FICO 740

PenFed Platinum: $1000 | Chase Freedom: $5500 | Discover IT: $1500 | Amex BCP $17,600 | Chase CSP: $8000 | Chase Hyatt: $5000
Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
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Re: Preparing for BCE App

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



Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
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Re: Preparing for BCE App


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!


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Established Member
Posts: 61
Registered: ‎04-27-2012
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Re: Preparing for BCE App

Congrats!!!

Amex Gold (NSL) 9/12
Chase Freedom (2200) 5/12
Citi Thank You Pref. (7000) 4/12
USAA AMEX (4000) 11/12
BOA VISA SIG CASH (5000) 12/12
Amex Gold Small Biz (NSL) 11/12
Established Contributor
Posts: 766
Registered: ‎01-16-2012
0

Re: Preparing for BCE App

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.

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Established Contributor
Posts: 909
Registered: ‎12-25-2010
0

Re: Preparing for BCE App *UPDATED*

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
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Preparing for BCE App *UPDATED*

congrats!!

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / 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 (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
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Re: Preparing for BCE App *UPDATED*

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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