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What are my chances for AMEX BCE?

Established Contributor

Re: What are my chances for AMEX BCE?

They pull your recent credit repot but only you and them can see that inquiry being made.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 11 of 17
Frequent Contributor

Re: What are my chances for AMEX BCE?


CruzImperial wrote:

They pull your recent credit repot but only you and them can see that inquiry being made.


Oh. I see. Thank you.

I think I've read in the past that some people have been denied because Amex will use a credit report from the previous month or something like that (before they had paid down balances). 



Scores: EX: 793 EQ: 804 TU: 801
Message 12 of 17
Valued Contributor

Re: What are my chances for AMEX BCE?

www.whogavemecredit.com

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 13 of 17
Contributor

Re: What are my chances for AMEX BCE?

A

Cdnewmanpac wrote:

 


matt6781 wrote:
I have the Amex bce does that mean if app for another Amex card it's always a soft pull?

Soft pull if declined, hard pull if accepted.


This also the case for Authorized users?
Message 14 of 17
Valued Contributor

Re: What are my chances for AMEX BCE?


maceto wrote:
A

Cdnewmanpac wrote:

 


matt6781 wrote:
I have the Amex bce does that mean if app for another Amex card it's always a soft pull?

Soft pull if declined, hard pull if accepted.


This also the case for Authorized users?

Only for primary account holder.

Message 15 of 17
Frequent Contributor

Re: What are my chances for AMEX BCE?

Well when I app'd for the BCP my Ex score was 714, so If your Ex score is close to your Eq then you should be good, hopefully you get a better Apr than me though!

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Message 16 of 17
Highlighted
Regular Contributor

Re: What are my chances for AMEX BCE?


ccb2115 wrote:

CruzImperial wrote:

They pull your recent credit repot but only you and them can see that inquiry being made.


Oh. I see. Thank you.

I think I've read in the past that some people have been denied because Amex will use a credit report from the previous month or something like that (before they had paid down balances). 

 


I found with Amex that if you apply for new credit, they sp a current report, but if you request a cli they use the last report they happened to have sp'd for 'account maintanance'.

Message 17 of 17