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Regular Contributor
ccb2115
Posts: 190
Registered: ‎11-23-2011

What are my chances for AMEX BCE?

[ Edited ]

On Monday, I would like to apply for both the Amex PRG and AMEX BCE. I'm very nervous about the double applications, so I wanted to know if my chances are good for getting approved for the BCE.

 

My EQ FICO score is 715, and my util is about 7%. I know Amex pulls EX, but my reports are pretty much identical. 

I am an AU on an AMEX Green in good standing from 1999, and I have had a ZYNC NPSL backdated to 2005 for a little over 6 months now. 

I have a Discover More - 3,000, Barclay Card - 500, and Capital One Secured - 500. I don't really have great limits but I'm hoping that if I do get approved, I will get at least 3,000. 

AAoA is 5 years

I do have one negative though...a charge off from 2008. 

 

What do you guys think my chances are for getting approved for the BCE? I'm not really concerned about the PRG. If I get it, great, if not, oh well. I just want to close my Zync after another 6 months. Thanks!

My Wallet: Amex PRG, Amex ZYNC, Amex BCE: 1k, Barclays iTunes: 1.2k, Discover IT: 5k, Citi Diamond: 1.8k, Capital One Secured: 600
Frequent Contributor
xiownthisplacex
Posts: 258
Registered: ‎08-29-2011

Re: What are my chances for AMEX BCE?

Why weren't you backdated to 1999?

 

I think you should be good to get the BCE, worst case it will only be a soft pull if you're denied.


Starting Score Myfico EQ: 676 08/11/2011
Current Score: Citi EQ Pull: 745 Walmart TU08: 750 AMEX EX Pull: 745 1/21/2013 Goal Score: 780+
Hover over image to see limits

NPSL$1,000$9,500$9,500$5,000$5,000$5,500$6,500$5,300$9,000$5,500$4,200$1,200$1,900$1,600$1,600
Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012

Re: What are my chances for AMEX BCE?

I agree.  You've got nothing to lose.  SP if denied and. 

Go for it and GL.

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Regular Contributor
ccb2115
Posts: 190
Registered: ‎11-23-2011

Re: What are my chances for AMEX BCE?


xiownthisplacex wrote:

Why weren't you backdated to 1999?

 

I think you should be good to get the BCE, worst case it will only be a soft pull if you're denied.


I think they backdated me to the year that I first had an Amex card in my name---I was added to the 1999 account in 2005. I think that's how it works for AUs. I am afraid to call and request the date to be changed to 1999. I feel like they will say no and screw me over and change the date to 2012. 

My Wallet: Amex PRG, Amex ZYNC, Amex BCE: 1k, Barclays iTunes: 1.2k, Discover IT: 5k, Citi Diamond: 1.8k, Capital One Secured: 600
Established Contributor
Koop10010
Posts: 731
Registered: ‎02-15-2012

Re: What are my chances for AMEX BCE?


ccb2115 wrote:

xiownthisplacex wrote:

Why weren't you backdated to 1999?

 

I think you should be good to get the BCE, worst case it will only be a soft pull if you're denied.


I think they backdated me to the year that I first had an Amex card in my name---I was added to the 1999 account in 2005. I think that's how it works for AUs. I am afraid to call and request the date to be changed to 1999. I feel like they will say no and screw me over and change the date to 2012. 


That's how it should work.  People generally haven't been able to get backdated to the original cardmember's join date.

 

I think you stand a pretty decent chance at the BCE, it will likely not be a hard pull if you are denied, so there's not much to lose anyway.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday
Frequent Contributor
xiownthisplacex
Posts: 258
Registered: ‎08-29-2011

Re: What are my chances for AMEX BCE?

Nevermind, I read it wrong, I thought you were an AU in 1999, my bad :smileyhappy:

 

Go for it, if they deny it's only a SP!


Starting Score Myfico EQ: 676 08/11/2011
Current Score: Citi EQ Pull: 745 Walmart TU08: 750 AMEX EX Pull: 745 1/21/2013 Goal Score: 780+
Hover over image to see limits

NPSL$1,000$9,500$9,500$5,000$5,000$5,500$6,500$5,300$9,000$5,500$4,200$1,200$1,900$1,600$1,600
Valued Member
matt6781
Posts: 28
Registered: ‎03-13-2011

Re: What are my chances for AMEX BCE?

I have the Amex bce does that mean if app for another Amex card it's always a soft pull?
Established Contributor
Cdnewmanpac
Posts: 767
Registered: ‎01-16-2012

Re: What are my chances for AMEX BCE?

 


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.

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Valued Member
matt6781
Posts: 28
Registered: ‎03-13-2011

Re: What are my chances for AMEX BCE?

Ah ok Ty
Regular Contributor
ccb2115
Posts: 190
Registered: ‎11-23-2011

Re: What are my chances for AMEX BCE?


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.


When they soft pull you, does that mean they are using the last report they soft pulled from you? Or are they actually pulling your current credit report. I've always been confused by this. 

My Wallet: Amex PRG, Amex ZYNC, Amex BCE: 1k, Barclays iTunes: 1.2k, Discover IT: 5k, Citi Diamond: 1.8k, Capital One Secured: 600

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