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Member
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
Posts: 249
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 (14k) || Discover IT (10k) || Chase Sapphire Preferred (6k) || Chase Freedom (6k) || Citi ThankYou Preferred (6.3k) || GE CareCredit (4.9k) || Citi Double Cash (4.9k) || Sallie Mae (4k) || Best Buy (2k) || AMEX Blue Cash Everyday (2k) || Target REDcard (1.5k)
Moderator Emerita
Posts: 27,204
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
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 Emerita
Posts: 27,204
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
Posts: 4,044
Registered: ‎10-02-2012
0

Re: Shot at Amex BCE?

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

Debit Cards: Citibank MasterCard, Rabobank VISA, The Bank of Hemet MasterCard, Nordstrom and Target.
Credit Cards: Fingerhut FreshStart $180
EQ FICO ---, EX FICO 523, TU FICO 555, (12/01/16) Gardening Since 12/01/16
Equifax, Experian, Transunion, and ChexSystems are FROZEN as of 12/02/16
Moderator
Posts: 9,929
Registered: ‎01-15-2009
0

Re: Shot at Amex BCE?

Great job! Let us know when you're approved! Smiley Very Happy
Regular Contributor
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
Posts: 29,086
Registered: ‎10-23-2007
0

Re: Shot at Amex BCE?

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

Super Contributor
Posts: 9,541
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 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16

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