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should I app for BCE??

Regular Contributor

should I app for BCE??

Im wondring if I should app for the BCE now. here is some of my info. havent gotten an updated score yet.

 

Inquiries: TU (2) EX (1) EQ (3)

 

7% Util

 

own accounts:

Best buy store card 0/3100 opened 08/2007

Cap1 Cash rewards 100/2000 opened 7/2012

Chase Freedom 0/500 opened 8/2012

 

AU on DW accounts:

Bank of America 1.2.3 450/1600 it will report $0 next saturday when it upddates which will make the util 1%

Discover More 0/1500

 

AAoA: 3 years 9 months

 

No Baddies

 

Fico EQ 676 from chase approval. only 500 CL because I had 78%  Util.

 

 

Message 1 of 31
30 REPLIES
Valued Contributor

Re: should I app for BCE??

I would give it a shot before the year is over. Good luck Smiley Happy

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 2 of 31
Established Contributor

Re: should I app for BCE??

Yes.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday
Message 3 of 31
Regular Contributor

Re: should I app for BCE??


Dustink wrote:

I would give it a shot before the year is over. Good luck Smiley Happy


yeah I want to lock my 2012 date and I dont really want a charge card.

Message 4 of 31
Highlighted
Established Contributor

Re: should I app for BCE??

if your utility is down under 10% preferably lower than 5% yous hould be fine, I got a BCP with aaoa of 1.9 years but my score was 744 at the time of approval with Amex.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 5 of 31
Established Contributor

Re: should I app for BCE??

It looks like you a got a shot if you go for it.

 

 

Question:  Does AU accounts factor into AAoA?  Cuz if it doesn't it seems like your AAoA would be lower.

 

 

 

Message 6 of 31
Established Contributor

You don't provide scores but your credit profile is good...

You don't provide scores but your credit profile is good enough to get accepted.

 

Let's do it!

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 7 of 31
Contributor

Re: should I app for BCE??


alboto wrote:

Im wondring if I should app for the BCE now. here is some of my info. havent gotten an updated score yet.

 

Inquiries: TU (2) EX (1) EQ (3)

 

7% Util

 

own accounts:

Best buy store card 0/3100 opened 08/2007

Cap1 Cash rewards 100/2000 opened 7/2012

Chase Freedom 0/500 opened 8/2012

 

AU on DW accounts:

Bank of America 1.2.3 450/1600 it will report $0 next saturday when it upddates which will make the util 1%

Discover More 0/1500

 

AAoA: 3 years 9 months

 

No Baddies

 

Fico EQ 676 from chase approval. only 500 CL because I had 78%  Util.

 

 


Go ahead and apply, its a great no fee card.  Also AMEX is a good company to get in with.

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Message 8 of 31
Established Contributor

Re: should I app for BCE??


ccnewcc wrote:

It looks like you a got a shot if you go for it.

 

 

Question:  Does AU accounts factor into AAoA?  Cuz if it doesn't it seems like your AAoA would be lower.

 

 

 


Yes AU accounts factors into AAOA, this is why there are people who are hungry for a very old AMEX AU what Amex calls ACM additional card member.

 

basically if someone added you as an ACM had the account open from 1982, it's possible to backdate your member start date to 1982 which is 30 years of history even if your not 30 years old. Intresting thing is if you successfully backdate the account ANY Amex you get (not co-branded ones like costco or macy) will carry over 30 years of history as well.

 

It's getting harder and harder to do but sometimes if you call 20 times you can find someone to do it lol


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 9 of 31
Regular Contributor

Re: should I app for BCE??

I had a C1 that I opened in 2004 the CL was 500 and then they gave me a couple of CLIs until it was in $4500 no AF, I closed it in may because I didnt know anything about credit. That was so stupid on my part, if I would've known about this forum before that card would still be open. Well that card counts in my AAoA.
Message 10 of 31