08-06-2012 09:19 AM
I want a BCP, I've had a gold card for 4 billing periods running $1500+ through it and paying immediately when it cuts. I want an Amex revolver because within a year my cl should be at least over $10,000 even if they start me at the low amount of $2000. I have had two rebuilders for 2 years, perfect history, my scores are up to par, it's just a 6+ year old CO for $400 as my only blemish. Should I apply?
08-06-2012 09:21 AM
i say do it, if you spend a lot of money on groceries, gas and department stores. If you dont spend so much on groceries why not just app for the BCE?
08-06-2012 09:34 AM
The way I spend slightly puts BCP over BCE, I did the math. Plus if my situation changes, that 6% on groceries is crazy good. Not to mention I have an 80 mile commute to work, so the extra % on gas helps too.
08-06-2012 09:35 AM
It's a soft pull if I am declined right? So if I app now and am declined, I can try again in a few months, it's really a no brainier I think....someone stop me!
08-06-2012 09:45 AM
Yep, it would be a SP if you're denied, so go for it!
08-06-2012 01:38 PM
All indications I've seen is that existing Amex customers don't receive hard pulls from denials, you should go ahead and apply.
08-06-2012 04:05 PM
I say go for it.. I just applied for a BCE with a 678 with two COs and a few lates from 5+ years ago. I also had a gold card and run through the same amount and was approved. Plus its a soft pull if denied so it's totally worth it.
08-07-2012 09:10 AM
No, it does not matter.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.