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Frequent Contributor
Posts: 289
Registered: ‎11-23-2011
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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!



Scores: EX: 793 EQ: 804 TU: 801
Frequent Contributor
Posts: 260
Registered: ‎08-29-2011
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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: Amazon EQ Pull: 781 Walmart TU08: 782 AMEX EX Pull: 745 08/03/2014 Goal Score: 780+
Hover over image to see limits

NPSL$1,000$18,000$9,500$5,000$5,000$5,500$8,000$5,300$9,000$5,500$4,200$1,900$4,000$1,600
Established Contributor
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Registered: ‎06-27-2012
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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.

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CSP: 5k
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Frequent Contributor
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Registered: ‎11-23-2011
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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. 



Scores: EX: 793 EQ: 804 TU: 801
Established Contributor
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Registered: ‎02-15-2012
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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
Posts: 260
Registered: ‎08-29-2011
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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: Amazon EQ Pull: 781 Walmart TU08: 782 AMEX EX Pull: 745 08/03/2014 Goal Score: 780+
Hover over image to see limits

NPSL$1,000$18,000$9,500$5,000$5,000$5,500$8,000$5,300$9,000$5,500$4,200$1,900$4,000$1,600
Valued Member
Posts: 28
Registered: ‎03-13-2011
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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
Posts: 766
Registered: ‎01-16-2012
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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
Posts: 28
Registered: ‎03-13-2011
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Re: What are my chances for AMEX BCE?

Ah ok Ty
Frequent Contributor
Posts: 289
Registered: ‎11-23-2011
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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. 



Scores: EX: 793 EQ: 804 TU: 801
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