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New Member
Posts: 3
Registered: ‎03-13-2013
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WILL I GET APPROVED? AMEX BCE RECONSIDERATION

[ Edited ]
I applied for the Amex blue card to complete my rotation of cards last Thursday night and bam I was declined. I called in the next morning and talked to someone from India and he said he would send it in for review. It is now wed. Is it normal to take this long? Website shows "in progress".

I currently have chase freedom, Bofa sig, discover, citi diamond preferred. Total about 32k revolving credit.

No negatives but a couple 30 day late pmts in 2010 2007.

Income 150k
FICO 684
21% utilization
Valued Member
Posts: 119
Registered: ‎02-06-2013
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Re: AMEX BCE RECON

Maybe, but don't hold your breath! Wish you the best of luck!
***AMEX PLATINUM NPSL *******AMEX BCP 23,100***** CITI DOUBLE CASHBACK $5,900 *****Chase Sapphire Preferred $10,000 **** Chase Freedom $8,000 *****Sears Mastercard Platinum $5,000 **** Macy's Star Rewards $1,000 ***** American Express BCE $24,900 (AU) **** *****Discover IT $8,500 (AU)*****
New Member
Posts: 3
Registered: ‎03-13-2013
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Re: AMEX BCE RECON

I guess it's a good thing otherwise they would've just declined it I'm thinking...
Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: AMEX BCE RECON

I think it's going to be the util plus the baddies.

Goodluck
Regular Contributor
Posts: 194
Registered: ‎01-26-2013
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Re: WILL I GET APPROVED? AMEX BCE RECONSIDERATION


Konfucious wrote:
I applied for the Amex blue card to complete my rotation of cards last Thursday night and bam I was declined. I called in the next morning and talked to someone from India and he said he would send it in for review. It is now wed. Is it normal to take this long? Website shows "in progress".

I currently have chase freedom, Bofa sig, discover, citi diamond preferred. Total about 32k revolving credit.

No negatives but a couple 30 day late pmts in 2010 2007.

Income 150k
FICO 684
21% utilization

I was approved for the BCE with one late in July 2010 for a car loan. I also just applied with Chase (Freedom) prior to AMEX, so there was one inquiry in my EX CR. That was my only late however, no other negatives, baddies, etc. I was probably approved due to my EX Fico being 750+ and overall util around 9%. So, AMEX will approve you with a late, depending on how long ago that late was and as long as everything else in your CR looks good.

Discover IT: $17k | Chase Freedom Visa Sig: $5k | CSP Visa Sig: $7k | AMEX BCE: $20k | BankAmericard Cash Rewards Visa Sig: $5,4k | Citi Double Cash: $3,6k | Cap1 QS Visa Sig: $6k | Chevron: $3,5k | Macy's Store: $4,2k; Macy's AMEX: $6k | Kohl's: $2k | Best Buy: $500
TU FICO: 745 EQ FICO: 733 EX FICO: 733 (As of 10/30/14)

Established Contributor
Posts: 760
Registered: ‎02-11-2012
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Re: AMEX BCE RECON

For AMex, I believe your cc debt is way too high. Take a look , 32K, wow, that is a lot of liabilities.Get it to less than 10% you will have a far better shot.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
New Member
Posts: 3
Registered: ‎03-13-2013
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Re: WILL I GET APPROVED? AMEX BCE RECONSIDERATION

32k is my credit limit for those cards. My balance was around 6k when they hard pulled all 3 bureaus. Last night, I paid them all off.

Hopefully I get a response from them today!
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: WILL I GET APPROVED? AMEX BCE RECONSIDERATION

Keep us posted, hope you get it!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
Posts: 760
Registered: ‎02-11-2012
0

Re: WILL I GET APPROVED? AMEX BCE RECONSIDERATION

Great, you may need to  wait a while for the payments to catch upto the credit bureaus. Good Luck!

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
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