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Should I App For BCP?

Established Contributor

Should I App For BCP?

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?

EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Message 1 of 22
21 REPLIES
Frequent Contributor

Re: Should I App For BCP?

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?

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Message 2 of 22
Established Contributor

Re: Should I App For BCP?

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.

EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Message 3 of 22
Established Contributor

Re: Should I App For BCP?

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!

EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Message 4 of 22
Frequent Contributor

Re: Should I App For BCP?

Yep, it would be a SP if you're denied, so go for it! Smiley Very Happy

Message 5 of 22
Established Contributor

Re: Should I App For BCP?

All indications I've seen is that existing Amex customers don't receive hard pulls from denials, you should go ahead and apply.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday
Message 6 of 22
Valued Contributor

Re: Should I App For BCP?

Wait till jan for max backdating.  Otherwise app away now.

               LIMITS IN CARD DESCRIPTIONS
Message 7 of 22
Contributor

Re: Should I App For BCP?

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.

Message 8 of 22
Established Contributor

Re: Should I App For BCP?

Does it matter if I app online or doi have to do it by phone to not get HP?

EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Message 9 of 22
Valued Contributor

Re: Should I App For BCP?

No, it does not matter.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Message 10 of 22