Reply
Regular Contributor
patsfan1453
Posts: 199
Registered: ‎11-04-2012

Re: Too Soon for AMEX BCE?

I was approved for the regular blue cash and then upgraded to the BCE an hour after activating it. So if you think the BCE will be harder to get, go for the blue. 

Chase Sapphire Preferred 5k || USAA Wounded Warrior Mastercard 4k || Citi TYP 4.9k|| Citi Forward 4k || Discover It 2k || Chase Freedom 5.5k || Walmart 1k
Total CLs: 26,900
AU BCP
In my wallet: CSP, Freedom
Frequent Contributor
koalablue
Posts: 321
Registered: ‎05-23-2012

Re: Too Soon for AMEX BCE?

I would apply for the PRG and the BCP at the same time.  I think you're a shoe-in for the PRG, and it will most likely be one HP for both.  It was for me when I first applied.  The BCP has 6% back on groceries, so I'd recommend that over the BCE.  You'll easily make the 75 dollar fee back and probably quite a bit more.  Good luck!

Established Member
mmt
Posts: 15
Registered: ‎03-18-2012

Re: Too Soon for AMEX BCE?

Thanks for the suggestions. I think I am going to definitely go for either the BCE or BCP. Is the likelihood of getting approved the same on both cards? My next statement cuts on the 18th but I am not sure I can wait that long just to drop me utility if the effect will be negligible. 

 

As far as the PRG, I am not sure I would use it since the rewards seem to overlap quite a bit and the AF is not something I think I could recoup. Is the reason that people apply for both at the same time so that at least they come out of it with one card and it isn't another HP? Is there any other benefit to me getting both cards at the same time that I may be overlooking? 

Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011

Re: Too Soon for AMEX BCE?

Seems like you have a great chance at approval

ccpics2.jpg
Valued Member
Yankeefan
Posts: 29
Registered: ‎09-09-2012

Re: Too Soon for AMEX BCE?

Your stats seem to be similar to others that have been approved. Don't be surprised if they start you with a low limit.

Established Member
mmt
Posts: 15
Registered: ‎03-18-2012

Re: Too Soon for AMEX BCE?

I decided to go ahead and apply for the BCP. I figure I don't have anything to lose. Unfortunately the fact that I moved in the last 30 days complicates things. I am in the process of figuring out address verification. I will update again with the decision.

Established Member
mmt
Posts: 15
Registered: ‎03-18-2012

Re: Too Soon for AMEX BCE?

So I still haven't gotten my address verification settled. The CSR told me the quickest way to get my address verified was to give him the name of my bank and my debit card number. I wasn't really comfortable with that so he said the only other way to go about it is to fax proof of address. Anyone know how long this takes after I send the fax?

 

Is it a good sign that they are asking for this information or has the decision still not been made?  In hindsight, I should have just applied under my old address and then, if approved, gotten the card over Thanksgiving. 

Frequent Contributor
Jake0215
Posts: 260
Registered: ‎11-10-2011

Re: Too Soon for AMEX BCE?


mmt wrote:

So I still haven't gotten my address verification settled. The CSR told me the quickest way to get my address verified was to give him the name of my bank and my debit card number. I wasn't really comfortable with that so he said the only other way to go about it is to fax proof of address. Anyone know how long this takes after I send the fax?

 

Is it a good sign that they are asking for this information or has the decision still not been made?  In hindsight, I should have just applied under my old address and then, if approved, gotten the card over Thanksgiving. 


Why not give them the bank info? You're going to be doing that if approved another way anyway...


Starting Score: 617 EQ 10-17-11
Current Score: EQ 767 TU 769 EX 749 (all FICO but who really knows?)
Goal Score: 800


Take the FICO Fitness Challenge
Established Contributor
ccnewcc
Posts: 560
Registered: ‎09-29-2012

Re: Too Soon for AMEX BCE?


Jake0215 wrote:

mmt wrote:

So I still haven't gotten my address verification settled. The CSR told me the quickest way to get my address verified was to give him the name of my bank and my debit card number. I wasn't really comfortable with that so he said the only other way to go about it is to fax proof of address. Anyone know how long this takes after I send the fax?

 

Is it a good sign that they are asking for this information or has the decision still not been made?  In hindsight, I should have just applied under my old address and then, if approved, gotten the card over Thanksgiving. 


Why not give them the bank info? You're going to be doing that if approved another way anyway...


Well the CSR told him the Debit Card Number.  Not the Bank Account Number.  I'd be worried too if someone asked me for my debit card number.

Frequent Contributor
Jake0215
Posts: 260
Registered: ‎11-10-2011

Re: Too Soon for AMEX BCE?


ccnewcc wrote:

Jake0215 wrote:

mmt wrote:

So I still haven't gotten my address verification settled. The CSR told me the quickest way to get my address verified was to give him the name of my bank and my debit card number. I wasn't really comfortable with that so he said the only other way to go about it is to fax proof of address. Anyone know how long this takes after I send the fax?

 

Is it a good sign that they are asking for this information or has the decision still not been made?  In hindsight, I should have just applied under my old address and then, if approved, gotten the card over Thanksgiving. 


Why not give them the bank info? You're going to be doing that if approved another way anyway...


Well the CSR told him the Debit Card Number.  Not the Bank Account Number.  I'd be worried too if someone asked me for my debit card number.


I guess you're right, but I still don't think I'd be that worried.


Starting Score: 617 EQ 10-17-11
Current Score: EQ 767 TU 769 EX 749 (all FICO but who really knows?)
Goal Score: 800


Take the FICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+