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Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012

one minute after midnight...UPDATED!!

[ Edited ]

I am apping for BCE and CSP!!! Wish me luck!!

 ::UPDATE::

Well, I was approved for Blue Cash Everyday  and Chase Sapphire Preferred. I also apped and was approved for the Hilton Honors Surpass Card.  I don't know what my limits for the AMEX cards are yet, as the approvals weren't instant.  I received the "your application needs further review" message, however right after that I checked the application status site and it said approved on both!!  WEEEEEEEE!!!  Also, the date for the application was Jan. 1, 2013, so I should get the backdating for both to 2012, when I got the AMEX Green!!  I am FIRMLY planted in the garden now!!!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: one minute after midnight...

Good Luck! 

 

I take it you have already done the math and figured out that your spending does not justify the BCP annual fee?  It doesn't take much to make it worth it. An extra 1% on gas and department stores (Macy's, Bloomingdale's, JC Penney, etc), and an extra 3% on groceries. $2,500 on groceries alone covers the fee, so any spending above that will turn to added benefit. 


In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Senior Contributor
drkaje
Posts: 3,482
Registered: ‎07-25-2008

Re: one minute after midnight...

All the best!!


Starting Score: 675
Current Score: EX ? FICO, EQ 708 FICO
Goal Score: 776 FICO


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Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012

Re: one minute after midnight...


SnackTrader wrote:

Good Luck! 

 

I take it you have already done the math and figured out that your spending does not justify the BCP annual fee?  It doesn't take much to make it worth it. An extra 1% on gas and department stores (Macy's, Bloomingdale's, JC Penney, etc), and an extra 3% on groceries. $2,500 on groceries alone covers the fee, so any spending above that will turn to added benefit. 


Hmmmm....maybe I will look at BCP.


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010

Re: one minute after midnight...

Good luck!!! :smileyvery-happy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
Exonumist
Posts: 500
Registered: ‎07-03-2012

Re: one minute after midnight...

Do time zones make a difference? I'd make sure before applying. I'm waiting until my most recent payment posts on the 3rd before I app for Delta Gold and either BCP or the Costco card.



Current Scores: TU 773 (5/30/14), EX 755 (4/20/13), EQ 732 (3/25/14)
Goal Scores: 780+
Last App: March 21, 2014
Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012

Re: one minute after midnight...

Good luck. Looking to apply for the BCP this year.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 698 (my FICO 07/08/14) TU: 693(07/08/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Valued Contributor
kevinjjc
Posts: 1,301
Registered: ‎01-14-2009

Re: one minute after midnight...

+1  Be careful with the time zone differences. The app will most likely be time stamped with AmEx's server time. Not sure where that is.

Moderator
09Lexie
Posts: 24,572
Registered: ‎09-13-2012

Re: one minute after midnight...

Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012

Re: one minute after midnight...


kevinjjc wrote:

+1  Be careful with the time zone differences. The app will most likely be time stamped with AmEx's server time. Not sure where that is.


I never thought about that!! I'm East Coast and AMEX is located in Fort Lauderdale, so I didn't even think about that!!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014







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