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Regular Contributor
CK_Charles_Lover
Posts: 248
Registered: ‎09-02-2011

Re: Should I App For BCP?

Do it, I say approved! just a sp anyway. Let us know. 

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)


AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)
Established Contributor
FicoTron
Posts: 512
Registered: ‎01-27-2011

Re: Should I App For BCP?

I think I'm gonna do it later today.  It just sucks that they pulled all of the sign up bonuses just a few days ago.  I would have netted $150 which would have paid the AF for the first 2 years!

EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Regular Contributor
hateAshbury
Posts: 131
Registered: ‎11-14-2011

Re: Should I App For BCP?

so how'd it go?


Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700


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Established Contributor
FicoTron
Posts: 512
Registered: ‎01-27-2011

Re: Should I App For BCP?

It went smashingly well! I got approved a and got the $150 sign up bonus. I apped over the phone.  2k limit and not the best rate but I PIF so that's fine.  I'll also get my EX Fico as a result.

EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Frequent Contributor
iMacDrew
Posts: 350
Registered: ‎07-13-2012

Re: Should I App For BCP?

congrats, its a good thing you applied over the phone, because If you appd online without being signed it, I dont think it would have been a soft pull. that 2000 could turn to 6000 in 60+ days!

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Established Contributor
FicoTron
Posts: 512
Registered: ‎01-27-2011

Re: Should I App For BCP?

I'm hoping so.  Huge limits that I'll never use are my goal at this point.

EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Valued Contributor
creditnocash
Posts: 2,164
Registered: ‎07-23-2012

Re: Should I App For BCP?

congrats on the card!

 

if your approved its still a soft pull right? 

 

 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
FicoTron
Posts: 512
Registered: ‎01-27-2011

Re: Should I App For BCP?

No, they whacked EX hard.  I knew that going in though, well worth it for this card.

EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Valued Contributor
creditnocash
Posts: 2,164
Registered: ‎07-23-2012

Re: Should I App For BCP?

ok so amex. 

 

soft pull for cli and denials. 

hard pull for new lines of credit? 

 

im ok with that. 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
hateAshbury
Posts: 131
Registered: ‎11-14-2011

Re: Should I App For BCP?

any advice? I think my TU FICO is 731 and I have no idea what's on Experiean. I have two chargeoffs circa 2008 -- both paid off since


Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700


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