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Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
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SPG or BCP - which one harder?

Between SPG and BCP, which Amex card is more difficult to get?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Revelate
Posts: 9,658
Registered: ‎12-30-2011
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Re: SPG or BCP - which one harder?


Duncanrr wrote:
Between SPG and BCP, which Amex card is more difficult to get?

Anecdotally it's near dead even these days I think;  their underwriting critera both seem to be around 680 for otherwise solid applicants.

 

It all changed in June and we saw people getting an SPG with ~675, but then we saw similar with BCP.  Given Amex's general policies towards co-branded cards, likely SPG might be easier, but that's a pure SWAG.  I think between the two you should simply apply for the card you actually want given how close it appears to be.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
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Re: SPG or BCP - which one harder?

I want both :smileywink:


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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HiLine
Posts: 3,092
Registered: ‎10-19-2012
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Re: SPG or BCP - which one harder?

I have the same concern actually. Still haven't decided what Amex card to apply for in January. :smileyhappy:

Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008
0

Re: SPG or BCP - which one harder?

Co-branded cards tend to be easier to get


$100K in Credit
Last Credit Card App: 11/16/13
Established Contributor
CruzImperial
Posts: 869
Registered: ‎07-04-2012
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Re: SPG or BCP - which one harder?

+1 to last post. Bcp should be harder to obtain
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
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Re: SPG or BCP - which one harder?

I like them both also. I'm going for BCE in January.
2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
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Re: SPG or BCP - which one harder?

I was approved for the BCE with 675 score and amex has denied me 5 times for the SPG. For me SPG is harder to get it seems
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)
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HiLine
Posts: 3,092
Registered: ‎10-19-2012
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Re: SPG or BCP - which one harder?


jsickz32 wrote:
I was approved for the BCE with 675 score and amex has denied me 5 times for the SPG. For me SPG is harder to get it seems

Did you apply for the SPG after you'd been using the BCE? I asked this question because Amex doesn't like giving the same consumer too many accounts.


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