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Member
wheeee1234
Posts: 13
Registered: ‎05-01-2013
0

Shot at Amex BCE?

I'm planning on going for the BCE in the next couple months.  Even though my overall credit profile is pretty good, I'm worried because I've heard that they're inquiry sensitive.  Here are my stats if anyone has any thoughts:

 

FICO Scores: 

TU 773

EX 746

EQ 768

 

Inquiries*

TU Last 3 months: 0 | Last 6 months: 0 | Last year: 1 | Last 2 years: 2

EX Last 3 months: 0 | Last 6 months: 1 | Last year: 3 | Last 2 years: 5

EQ None in the last 2 years

 

AAoA: 4 years

Credit history: 10 years

No missed payments/defaults/etc.

Util: ~5%

Total available credit: $38,000

 

If I'm missing any other info that would be helpful let me know.  Thanks in advance!

Regular Contributor
manwoot
Posts: 247
Registered: ‎02-16-2013
0

Re: Shot at Amex BCE?

I would say you're in great shape.  Apply away!

 

I was approved with less score and more inqs.

AMEX True Earnings (11.5k) || Discover IT (9k) || Chase Sapphire Preferred (6k) || Chase Freedom (5k) || Citi ThankYou Preferred (4.9k) || GE CareCredit (4.9k) || Sallie Mae (4k) || Citi Diamond Preferred (3.4k) || Best Buy (2k) || AMEX Blue Cash Everyday (2k) || Target REDcard (1k)
Moderator
09Lexie
Posts: 26,027
Registered: ‎09-13-2012
0

Re: Shot at Amex BCE?

Amex primarily pulls EX and will pull additional bureaus if you are borderline. Based on your I formation, you have 4 inq's - that should not be a problem at all.
What other cc's do you currently have?
Do you spend more than $250 a month in groceries?
Member
wheeee1234
Posts: 13
Registered: ‎05-01-2013
0

Re: Shot at Amex BCE?


09Lexie wrote:
Amex primarily pulls EX and will pull additional bureaus if you are borderline. Based on your I formation, you have 4 inq's - that should not be a problem at all.
What other cc's do you currently have?
Do you spend more than $250 a month in groceries?

I have a BofA Visa and Citi MC that are essentially sock drawered, Nordstrom store card, and CSP which is now my main card.

 

Depending on how motivated I am to cook, I spend $200-300 on groceries.

 

I mainly want an AmEx because I just got a Costco membership but I never have cash on me.

Moderator
09Lexie
Posts: 26,027
Registered: ‎09-13-2012
0

Re: Shot at Amex BCE?

Have you thought about the BCP? There is an AF but you will make that back with your grocery bill
Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,642
Registered: ‎10-02-2012
0

Re: Shot at Amex BCE?

+1 BCP is the way to go if your spend alot at grocery stores


***$990/$1000*******$588/$600***
EX FICO 627, EQ FICO 609, TU FICO 617, No Delinquencies of any Sort, Gardening Since 11-01-14
Moderator
Kenny
Posts: 5,679
Registered: ‎01-15-2009
0

Re: Shot at Amex BCE?

Great job! Let us know when you're approved! :smileyvery-happy:
Starting Score: EQ04: 748 (1/31/14) - TU08: 755 (1/06/14)
Current Score:EX08:802(10/08) - EQ04:763(8/29) - EQ08:790(10/16) - TU08:808(10/02)
Goal Score: 800+
Regular Contributor
rudy0720
Posts: 220
Registered: ‎08-10-2012
0

Re: Shot at Amex BCE?

You are good. I just got BCE and Delta Skymiles last week with a 9 year old Chapter 7 BK still showing and I burned AMEX in the BK

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
Epic Contributor
Creditaddict
Posts: 20,995
Registered: ‎10-23-2007
0

Re: Shot at Amex BCE?

Get BCP! and apply now... should be no reason not to be approved.

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Super Contributor
mongstradamus
Posts: 6,664
Registered: ‎06-19-2013
0

Re: Shot at Amex BCE?


wheeee1234 wrote:

09Lexie wrote:
Amex primarily pulls EX and will pull additional bureaus if you are borderline. Based on your I formation, you have 4 inq's - that should not be a problem at all.
What other cc's do you currently have?
Do you spend more than $250 a month in groceries?

I have a BofA Visa and Citi MC that are essentially sock drawered, Nordstrom store card, and CSP which is now my main card.

 

Depending on how motivated I am to cook, I spend $200-300 on groceries.

 

I mainly want an AmEx because I just got a Costco membership but I never have cash on me.


Another option i would think about is the Amex Costco card, its not too shabby. you get 3% on gas 2 % on restaurants and 1% on everything else i believe. Correct me if i am wrong its the only amex card that can get you 1% at costco ?


EX Fico 797(amex fico) 9/25/14 Fako 806 CS/Credit.com 10/22/14
EQ SW 822 quizzle fako 796 7/19/14
TU Fico 815 Fako 785 Creditkarma 10/10/2014

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