topic Re: AMEX BCE approval with a BT in Credit Card Approvals

AMEX BCE approval with a BT

MauiMan85297 — Mon, 09 May 2016 19:00:37 GMT

DH apped for BCE and wanted to BT $2k from Venture to BCE, they only approved the card for a 2k SL, should we wait for the card to arrive for a CLI I hear about with AMEX or should we try now while account is processing (haven't sent cap1 $ yet) as it was just approved on Saturday with an ED card as pending (apped back to back), any insight on AMEX would be greatly appreciated.

Re: AMEX BCE approval with a BT

Anonymous — Mon, 09 May 2016 19:05:36 GMT

Congratulations!! I would wait at least 61 days from the approval date to request a CLI.

Re: AMEX BCE approval with a BT

MauiMan85297 — Mon, 09 May 2016 19:07:35 GMT

Using 100% of avail won't look good, no chance on a higher SL?

Re: AMEX BCE approval with a BT

Anonymous — Mon, 09 May 2016 19:12:34 GMT

@gsully00 wrote:
Using 100% of avail won't look good, no chance on a higher SL?

No, that certainly won't look good. You should never max out a card, especially a new card. You can try for an increase once you get your card (you can't ask online until you've received your card because you need the 4 digit code from the card) or you can give them a call and try to recon your SL, but there's no guarantee you'll get it. How long did they give you to do the BT before the offer expires?

Re: AMEX BCE approval with a BT

MauiMan85297 — Mon, 09 May 2016 19:21:05 GMT

@Anonymous wrote:
@gsully00 wrote:
Using 100% of avail won't look good, no chance on a higher SL?
No, that certainly won't look good. You should never max out a card, especially a new card. You can try for an increase once you get your card (you can't ask online until you've received your card because you need the 4 digit code from the card) or you can give them a call and try to recon your SL, but there's no guarantee you'll get it. How long did they give you to do the BT before the offer expires?

I did everything online when apping and was asked to put in card # and amount of xfer, it showed a zero limit and asked to call in for questions regarding the BT. They just wanted to know that indeed it was a Cap 1 card. So I'm assuming this would get done automatically? Also then next screen shows payee's paid is (0) but shows as $2k

Re: AMEX BCE approval with a BT

Anonymous — Mon, 09 May 2016 19:26:52 GMT

@gsully00 wrote:
@Anonymous wrote:
@gsully00 wrote:
Using 100% of avail won't look good, no chance on a higher SL?
No, that certainly won't look good. You should never max out a card, especially a new card. You can try for an increase once you get your card (you can't ask online until you've received your card because you need the 4 digit code from the card) or you can give them a call and try to recon your SL, but there's no guarantee you'll get it. How long did they give you to do the BT before the offer expires?
I did everything online when apping and was asked to put in card # and amount of xfer, it showed a zero limit and asked to call in for questions regarding the BT. They just wanted to know that indeed it was a Cap 1 card. So I'm assuming this would get done automatically? Also then next screen shows payee's paid is (0) but shows as $2k

Oh, so you already requested the BT with the app, I get it. Then yes I would call (backdoor number maybe??) and see if they will be willing to increase your SL.

Re: AMEX BCE approval with a BT

MauiMan85297 — Mon, 09 May 2016 19:50:25 GMT

@Anonymous wrote:
@gsully00 wrote:
@Anonymous wrote:
@gsully00 wrote:
Using 100% of avail won't look good, no chance on a higher SL?
No, that certainly won't look good. You should never max out a card, especially a new card. You can try for an increase once you get your card (you can't ask online until you've received your card because you need the 4 digit code from the card) or you can give them a call and try to recon your SL, but there's no guarantee you'll get it. How long did they give you to do the BT before the offer expires?
I did everything online when apping and was asked to put in card # and amount of xfer, it showed a zero limit and asked to call in for questions regarding the BT. They just wanted to know that indeed it was a Cap 1 card. So I'm assuming this would get done automatically? Also then next screen shows payee's paid is (0) but shows as $2k
Oh, so you already requested the BT with the app, I get it. Then yes I would call (backdoor number maybe??) and see if they will be willing to increase your SL.

There is so many different AMEX back door #'s with certain dept's, which is best for me? (Existing account with issues, App status #)

Re: AMEX BCE approval with a BT

Anonymous — Mon, 09 May 2016 19:55:44 GMT

@gsully00 wrote:
There is so many different AMEX back door #'s with certain dept's, which is best for me? (Existing account with issues, App status #)

That is a tough one, I've never had to call them so I'm not sure. Out of all the ones I saw from the Backdoor Numbers thread, the 2 you mentioned look like the best option. Maybe try the App Status one first, and if that doesn't help try the other. Good luck!!

Re: AMEX BCE approval with a BT

CreditCuriosity — Mon, 09 May 2016 21:19:21 GMT

Ya you don't want to max out your 2k CL with a BT making 100% utilization as that isn't good.. If this is your first Amex card I certainly would wait for 61 days before asking for a CLI as they recently changed their policy back to the old way of showing some useage prior to getting a possibly CLI. Amex doesn't recon starting limits either. Has the BT already started? If so you might want to seriously get ahold of someone and cancel that request at Amex!

Re: AMEX BCE approval with a BT

MauiMan85297 — Mon, 09 May 2016 22:04:57 GMT

@CreditCuriousity wrote:
Ya you don't want to max out your 2k CL with a BT making 100% utilization as that isn't good.. If this is your first Amex card I certainly would wait for 61 days before asking for a CLI as they recently changed their policy back to the old way of showing some useage prior to getting a possibly CLI. Amex doesn't recon starting limits either. Has the BT already started? If so you might want to seriously get ahold of someone and cancel that request at Amex!

They said that you have to receive your card first before they can initate the BT, my concern it was showing as pending and didn't want them paying off Venture and now the BCE account is maxed. Here's just part of our chat....

Re: AMEX BCE approval with a BT

CreditCuriosity — Mon, 09 May 2016 22:14:47 GMT

CSR's always don't know what they are talking about... Amex did chnage their policy awhile ago to no longer have to wait 61 days, but more recently we have seen TONS of denials right when people get their cards as account to new aka not 61 days old. It appears they changed their policy back to the old way of 61 days a few months back. Best bet is to WAIT a few months aka 61 days and show some payment history and useage before request it for best results.

Re: AMEX BCE approval with a BT

dajewa1 — Mon, 09 May 2016 22:21:19 GMT

Congrats!!

Re: AMEX BCE approval with a BT

MauiMan85297 — Mon, 09 May 2016 22:23:24 GMT

@CreditCuriousity wrote:
CSR's always don't know what they are talking about... Amex did chnage their policy awhile ago to no longer have to wait 61 days, but more recently we have seen TONS of denials right when people get their cards as account to new aka not 61 days old. It appears they changed their policy back to the old way of 61 days a few months back. Best bet is to WAIT a few months aka 61 days and show some payment history and useage before request it for best results.

Thank You, the only reason why we opened this account was specifically for BT and APR at % for 15 months, not like it would take 15 months to pay off 2k but unecessary to leave $2300 on Venture card at 17% plus we did want to get an "in" with AMEX as I have not gotten the love from them yet.

Re: AMEX BCE approval with a BT

MauiMan85297 — Mon, 09 May 2016 22:24:33 GMT

I think the ED card is pending because it was the same day and read through other posts it would take 5 days but usually an approval

Re: AMEX BCE approval with a BT

RonM21 — Mon, 09 May 2016 23:13:52 GMT

Grats on the card. Hope it all works out!

Re: AMEX BCE approval with a BT

Anonymous — Tue, 10 May 2016 02:21:22 GMT

Congrats on the approval !!

Re: AMEX BCE approval with a BT

MauiMan85297 — Fri, 13 May 2016 14:28:07 GMT

Still showing this message after one week, do we wait this out or should we call in by now??

Re: AMEX BCE approval with a BT

Anonymous — Fri, 13 May 2016 15:12:06 GMT

@gsully00 wrote:
Still showing this message after one week, do we wait this out or should we call in by now??

I had the same result when appring back-to-back for revolvers. Approved for the Delta Gold - $1k, apped for BCE - pending. Called in, and was told they put the app on a 5 day (security) hold when you apply back-to-back. They told me to call in after 5 days, which I did - verified some information, and was approved for $9.9k. Call them!!

Re: AMEX BCE approval with a BT

Anonymous — Fri, 13 May 2016 19:01:08 GMT

@Anonymous wrote:
I had the same result when appring back-to-back for revolvers. Approved for the Delta Gold - $1k, apped for BCE - pending. Called in, and was told they put the app on a 5 day (security) hold when you apply back-to-back. They told me to call in after 5 days, which I did - verified some information, and was approved for $9.9k. Call them!!

Re: AMEX BCE approval with a BT

MauiMan85297 — Fri, 13 May 2016 19:34:17 GMT

Just came in minutes ago! But don't know what the SL is? I know on the BCE so how do I find out for this card?