Safe to apply for AMEX?

[DoroLucky]

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@Desmoire wrote:

I was approved for BCE!! I don't know what my limit is however, it didn't mention that. I asked for them to text me an approval message so we will see if it's included in that. Awesomeness!

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Congrats!! Since they already HP'd, you should go for another one. That's what I did after reading it here and got approved for the PRG and Amex Ed. 

[Anonymous]

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@Desmoire wrote:

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@Anonymous wrote:

I was approved last night for a BCP with an EX of 702 (or 698, I'm not sure) I was only given a $1000 SL, which is fine for me and what I plan to use it for, but I'd keep that in mind. I also have 4 new accounts withing the last month and was at about 36% UT overall for what has been reported. (some of the new cards are not on my report yet)

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BCP has an annual fee. Are they more likely to approve a card with an annual fee? I would certainly prefer no annual fee...

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@I believe they both require similar credit to get. I also believe the reason for the AF is the increased rewards on the BCP. Basically, figure out if you would earn $75/yr. more with the extra percentages between the cards. I plan to only use mine for groceries and gas when it's not covered by my Disco or Chase, so I expect to hit the max of $6000 (So, BCE would yield $180 @ 3% and the BCP would be $360. Even with the AF it yields $105 more)

In addition, I have heard of people getting the BCP and PCing it to a BCE before the AF hits if they didn't use it as much as they planned. YMMV

edit: Whoops, late to the party. Congrats on the approval! I didn't see my limit until I set up the online account. I was given a link from the approval page and I believe I also got one via email.

[EdMan63]

Congrats on your approval!!!!

[Anonymous]

What were the reasons they rejected you? 750+ score even on capital one credit tracker is surely good enough to get any credit card you want. I am inclined to think you are on Amex's black list from a past derog even if that doesn't show up on your credit reports.

Edit: oops! Congrats on your approval

[CYBERSAM]

Congrats!

[Creditplz]

If your basing your scores on Capital One Credit tracker I've found it very unreliable, Experian has a $1 promotion right now, American Express is know to pull EX Fico-8, so just pay the dollar and cancel it before 7 days. I wouldn't see why they wouldn't approve you.

[Anonymous]

Very nice. Gratz on approval. Login to your account to see the limit. DO IT NOW!!!!

[Desmoire]

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@Anonymous wrote:

Very nice. Gratz on approval. Login to your account to see the limit. DO IT NOW!!!!

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Holy cow, a limit of $15,000!! This is literally blowing my mind as the highest limit I have on a card was $5000. Talk about generousity from AMEX! I can't imagine why I would ever need to do the 3x CLI trick..

[sjt]

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@Desmoire wrote:

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@Anonymous wrote:

Very nice. Gratz on approval. Login to your account to see the limit. DO IT NOW!!!!

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Holy cow, a limit of $15,000!! This is literally blowing my mind as the highest limit I have on a card was $5000. Talk about generousity from AMEX! I can't imagine why I would ever need to do the 3x CLI trick..

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Congrats on your approval.

[Desmoire]

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@sjt wrote:

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@Desmoire wrote:

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@Anonymous wrote:

Very nice. Gratz on approval. Login to your account to see the limit. DO IT NOW!!!!

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Holy cow, a limit of $15,000!! This is literally blowing my mind as the highest limit I have on a card was $5000. Talk about generousity from AMEX! I can't imagine why I would ever need to do the 3x CLI trick..

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Congrats on your approval.

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Thanks man!