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Member
wheeee1234
Posts: 12
Registered: ‎05-01-2013

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: 242
Registered: ‎02-16-2013

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: 24,547
Registered: ‎09-13-2012

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: 12
Registered: ‎05-01-2013

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: 24,547
Registered: ‎09-13-2012

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
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,257
Registered: ‎10-02-2012

Re: Shot at Amex BCE?

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


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Community Leader
Senior Contributor
KennyRS
Posts: 3,999
Registered: ‎01-15-2009

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:EX08:773(7/09) - EQ04:761(7/25) - EQ08:783(7/19) - TU08:790(7/21)
Goal Score: 800+
Regular Contributor
rudy0720
Posts: 210
Registered: ‎08-10-2012

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, Chase Southwest Visa Signature-6K, Capital One-$4K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, Capital One QS- 10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$5K
Mega Contributor
Creditaddict
Posts: 18,928
Registered: ‎10-23-2007

Re: Shot at Amex BCE?

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

Fico Scores: EQ 657 Cabelas, TU 665 GE, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Express $300
Over 30 Cards in between :smileytongue:
Senior Contributor
mongstradamus
Posts: 3,763
Registered: ‎06-19-2013

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 770 5/12/2014 Fako 806 CS/Credit.com 7/23/14
EQ SW 807 quizzle fako 796 7/19/14
TU Fico 804 7/24/2014 Fako 751 Creditkarma 7/12/2014

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