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Valued Member
flyingpenguin
Posts: 58
Registered: ‎11-25-2012

Should I app for BCP?

[ Edited ]

The creditcards.com BCP sign-up bonus of $250 is seriously tempting me. (Thanks to charyot77 for starting the thread about it!) I wasn't planning on apping for anything, but... After the AF it'll be $175 and I'll PC to BCE before a year is up. Should I do it?

 

-EQ FICO as of Nov '11 was 749 (before INQ). CK is 760 and CS is 801. 

-1 inq on EQ, none on EX or TU

-No baddies

-Oldest acct: 5 years, 6 months

-AAoA: 3 years, 7 months

-Student loan of about $2400

-Current cards and util:

BofA Travel Rewards: 0/1700

Citi Forward: 0/5500 (however, statement cuts tomorrow with 212 balance)

US Bank Cash+: 223/11,000

 

Pros:

-Net gain of $175 + 6% back on groceries (only spend $50-75/month at supermarkets though)

-I would lock in a 2013 member date with AMEX.

 

Cons:

-I prefer having fewer cards because I'm lazy. :smileytongue:

-I will probably have an apartment credit check in April or May.

 

Maybe I should wait till later in the year, if the offer comes around again? So tempted though! What would you do?

 

ETA: If I apply, can I put my bonus under supplemental income even though I won't receive it until Feb. 28? Or is it safer to put last year's bonus, or nothing at all?

Amex BCP ($12,100) - US Bank Cash+ ($11,000) - BofA Travel Rewards ($10,000) - Citi Forward ($5,500)

Last HP: 6/11/13 (for BofA CLI)
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Should I app for BCP?

Go for it!!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
GoldenloveNY
Posts: 243
Registered: ‎02-29-2012

Re: Should I app for BCP?

Good Angel: No. Do not App. Remain in the Garden

 

Bad Angel: Don't listen to that poor excuse of a angel! Go for it! App! App! App!

 

I'll listen to the Bad Angel if I was you!

Zync from American Express- NPSL
Amex BCE- $1,000
Discover IT- $1,500
Bank of America 1-2-3 Rewards-$1,000
Chase Freedom- $500
Capital One- $500
Contributor
Bobert22
Posts: 236
Registered: ‎01-20-2013

Re: Should I app for BCP?


flyingpenguin wrote:

The creditcards.com BCP sign-up bonus of $250 is seriously tempting me. (Thanks to charyot77 for starting the thread about it!) I wasn't planning on apping for anything, but... After the AF it'll be $175 and I'll PC to BCE before a year is up. Should I do it?

 

-EQ FICO as of Nov '11 was 749 (before INQ). CK is 760 and CS is 801. 

-1 inq on EQ, none on EX or TU

-No baddies

-Oldest acct: 5 years, 6 months

-AAoA: 3 years, 7 months

-Student loan of about $2400

-Current cards and util:

BofA Travel Rewards: 0/1700

Citi Forward: 0/5500 (however, statement cuts tomorrow with 212 balance)

US Bank Cash+: 223/11,000

 

Pros:

-Net gain of $175 + 6% back on groceries (only spend $50-75/month at supermarkets though)

-I would lock in a 2013 member date with AMEX.

 

Cons:

-I prefer having fewer cards because I'm lazy. :smileytongue:

-I will probably have an apartment credit check in April or May.

 

Maybe I should wait till later in the year, if the offer comes around again? So tempted though! What would you do?

 

ETA: If I apply, can I put my bonus under supplemental income even though I won't receive it until Feb. 28? Or is it safer to put last year's bonus, or nothing at all?


The annual fee is $75 after the first year. 

 

Also where do you see the link for $250 for the BCP and $150 for the BCE?

 

I just went to Creditcards.com and don't see any offers, besides the regular $100 for BCE and $150 for BCP?

 

 

In regards to your application, its an instant approval (most likely), and it looks like it'll fit in with your spending. I say go for it! 

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
Valued Member
flyingpenguin
Posts: 58
Registered: ‎11-25-2012

Re: Should I app for BCP?


Bobert22 wrote:

flyingpenguin wrote:

The creditcards.com BCP sign-up bonus of $250 is seriously tempting me. (Thanks to charyot77 for starting the thread about it!) I wasn't planning on apping for anything, but... After the AF it'll be $175 and I'll PC to BCE before a year is up. Should I do it?

 

-EQ FICO as of Nov '11 was 749 (before INQ). CK is 760 and CS is 801. 

-1 inq on EQ, none on EX or TU

-No baddies

-Oldest acct: 5 years, 6 months

-AAoA: 3 years, 7 months

-Student loan of about $2400

-Current cards and util:

BofA Travel Rewards: 0/1700

Citi Forward: 0/5500 (however, statement cuts tomorrow with 212 balance)

US Bank Cash+: 223/11,000

 

Pros:

-Net gain of $175 + 6% back on groceries (only spend $50-75/month at supermarkets though)

-I would lock in a 2013 member date with AMEX.

 

Cons:

-I prefer having fewer cards because I'm lazy. :smileytongue:

-I will probably have an apartment credit check in April or May.

 

Maybe I should wait till later in the year, if the offer comes around again? So tempted though! What would you do?

 

ETA: If I apply, can I put my bonus under supplemental income even though I won't receive it until Feb. 28? Or is it safer to put last year's bonus, or nothing at all?


The annual fee is $75 after the first year. 

 

Also where do you see the link for $250 for the BCP and $150 for the BCE?

 

I just went to Creditcards.com and don't see any offers, besides the regular $100 for BCE and $150 for BCP?

 

 

In regards to your application, its an instant approval (most likely), and it looks like it'll fit in with your spending. I say go for it! 


To see the offer, use the Cardmatch tool (just enter name and address, no need for SSN).

 

I don't see anything about the AF being waived for the first year, so I don't think it is. (Whereas for say, Gold Delta Skymiles, it does say the AF is waived for the first year.)

Amex BCP ($12,100) - US Bank Cash+ ($11,000) - BofA Travel Rewards ($10,000) - Citi Forward ($5,500)

Last HP: 6/11/13 (for BofA CLI)
Contributor
Bobert22
Posts: 236
Registered: ‎01-20-2013

Re: Should I app for BCP?


flyingpenguin wrote:

Bobert22 wrote:

flyingpenguin wrote:

The creditcards.com BCP sign-up bonus of $250 is seriously tempting me. (Thanks to charyot77 for starting the thread about it!) I wasn't planning on apping for anything, but... After the AF it'll be $175 and I'll PC to BCE before a year is up. Should I do it?

 

-EQ FICO as of Nov '11 was 749 (before INQ). CK is 760 and CS is 801. 

-1 inq on EQ, none on EX or TU

-No baddies

-Oldest acct: 5 years, 6 months

-AAoA: 3 years, 7 months

-Student loan of about $2400

-Current cards and util:

BofA Travel Rewards: 0/1700

Citi Forward: 0/5500 (however, statement cuts tomorrow with 212 balance)

US Bank Cash+: 223/11,000

 

Pros:

-Net gain of $175 + 6% back on groceries (only spend $50-75/month at supermarkets though)

-I would lock in a 2013 member date with AMEX.

 

Cons:

-I prefer having fewer cards because I'm lazy. :smileytongue:

-I will probably have an apartment credit check in April or May.

 

Maybe I should wait till later in the year, if the offer comes around again? So tempted though! What would you do?

 

ETA: If I apply, can I put my bonus under supplemental income even though I won't receive it until Feb. 28? Or is it safer to put last year's bonus, or nothing at all?


The annual fee is $75 after the first year. 

 

Also where do you see the link for $250 for the BCP and $150 for the BCE?

 

I just went to Creditcards.com and don't see any offers, besides the regular $100 for BCE and $150 for BCP?

 

 

In regards to your application, its an instant approval (most likely), and it looks like it'll fit in with your spending. I say go for it! 


To see the offer, use the Cardmatch tool (just enter name and address, no need for SSN).

 

I don't see anything about the AF being waived for the first year, so I don't think it is. (Whereas for say, Gold Delta Skymiles, it does say the AF is waived for the first year.)


Oh, I see! Thanks! Gonna think about applying for it. 

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
Valued Member
flyingpenguin
Posts: 58
Registered: ‎11-25-2012

Re: Should I app for BCP?

I gave into temptation and apped... Instant approval! :smileyvery-happy: But I don't know what my credit line is. On the status website it just says:

 

Congratulations! Your application has been approved and you should receive your new card within 7-10 days.
If you requested a balance transfer to this card, click here to view the status of that transfer

 

Should I call they number they give to find out what it is? And can I request expedited delivery?

 

1-866-314-0237 (Mon-Fri 6am-8pm MST)

Amex BCP ($12,100) - US Bank Cash+ ($11,000) - BofA Travel Rewards ($10,000) - Citi Forward ($5,500)

Last HP: 6/11/13 (for BofA CLI)
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Should I app for BCP?


flyingpenguin wrote:

I gave into temptation and apped... Instant approval! :smileyvery-happy: But I don't know what my credit line is. On the status website it just says:

 

Congratulations! Your application has been approved and you should receive your new card within 7-10 days.
If you requested a balance transfer to this card, click here to view the status of that transfer

 

Should I call they number they give to find out what it is? And can I request expedited delivery?

 

1-866-314-0237 (Mon-Fri 6am-8pm MST)


CONGRATS!!!

 

Yes call in!!! You probably got a really nice limit!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Member
flyingpenguin
Posts: 58
Registered: ‎11-25-2012

Re: Should I app for BCP?


LS2982 wrote:

flyingpenguin wrote:

I gave into temptation and apped... Instant approval! :smileyvery-happy: But I don't know what my credit line is. On the status website it just says:

 

Congratulations! Your application has been approved and you should receive your new card within 7-10 days.
If you requested a balance transfer to this card, click here to view the status of that transfer

 

Should I call they number they give to find out what it is? And can I request expedited delivery?

 

1-866-314-0237 (Mon-Fri 6am-8pm MST)


CONGRATS!!!

 

Yes call in!!! You probably got a really nice limit!

 


Thanks! Just called in and my limit is $12,100!!! :smileyvery-happy: (That $100 is kind of random but I'll take it!)

 

Off to read the 3x CLI thread! Thanks everyone for your encouragement. :smileyhappy:

Amex BCP ($12,100) - US Bank Cash+ ($11,000) - BofA Travel Rewards ($10,000) - Citi Forward ($5,500)

Last HP: 6/11/13 (for BofA CLI)
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Should I app for BCP?


flyingpenguin wrote:

LS2982 wrote:

flyingpenguin wrote:

I gave into temptation and apped... Instant approval! :smileyvery-happy: But I don't know what my credit line is. On the status website it just says:

 

Congratulations! Your application has been approved and you should receive your new card within 7-10 days.
If you requested a balance transfer to this card, click here to view the status of that transfer

 

Should I call they number they give to find out what it is? And can I request expedited delivery?

 

1-866-314-0237 (Mon-Fri 6am-8pm MST)


CONGRATS!!!

 

Yes call in!!! You probably got a really nice limit!

 


Thanks! Just called in and my limit is $12,100!!! :smileyvery-happy: (That $100 is kind of random but I'll take it!)

 

Off to read the 3x CLI thread! Thanks everyone for your encouragement. :smileyhappy:


HAPPY DANCE!!!

 


 

 

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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