topic Re: Amex BCP Approval DPs. Slightly disappointed though in Credit Card Approvals

Amex BCP Approval DPs. Slightly disappointed though

Eyepinpools — Tue, 13 Jul 2021 18:41:19 GMT

Hey y'all. Pulled the trigger on an Amex BCP app just moments ago. Here are my DPs.

EX8 767

AAoA 3.5yr

AoORA 14.5yr

UTIL 1% ( 131 bal/25,500 TCL)

AWB 1/5

Income 160k

NEW ACCOUNTS : 0/6, 3/12 4/24

first card with Amex

Was instantly approved for a 6k SL. I honestly thought it would be higher since I have 3x cards with BOA all with 7k SL. I guess will try for the 3x CLI @ 61 days to hopefully bring it to 18k CL.

Let me know if you have any advice on recon to higher SL or want any additional DPs.

Re: Amex BCP Approval DPs. Slightly disappointed though

SweetCreditObsession — Tue, 13 Jul 2021 19:05:29 GMT

Congratulations on the new card.

Advice: Your plan is solid - execute it.

Re: Amex BCP Approval DPs. Slightly disappointed though

sourpuss29 — Tue, 13 Jul 2021 19:33:36 GMT

Congrats on your BCP approval and welcome to the family!🎉

*sidenote*

Your username is hilarious!

Re: Amex BCP Approval DPs. Slightly disappointed though

Mr_Mojo_Risin — Tue, 13 Jul 2021 21:00:37 GMT

Congrats on your BCP approval!

You'll probably have a good chance for the 3X CLI after 61 days.

Enjoy that 6% cash back!

Re: Amex BCP Approval DPs. Slightly disappointed though

pizzadude — Tue, 13 Jul 2021 21:39:22 GMT

Congrats on the BCP approval ! It's one of the best cashback cards out there, and I'm sure you'll have good luck on CLIs after a few months of good use.

Re: Amex BCP Approval DPs. Slightly disappointed though

Taurus22 — Tue, 13 Jul 2021 22:01:15 GMT

Congrats on your first AMEX!

And hey, that's actually not bad for a SL for new AMEX cardholder. My BCP started at only $2,000 and I've gotten one 3X CLI to $6000. Working off my 181 days for my next one. Given that your total CL is stated at just over 25k, I think that 6k is pretty solid honestly. But the great thing is.....3X CLI does exist, so you'll be in great shape afterward.

Re: Amex BCP Approval DPs. Slightly disappointed though

KLEXH25 — Tue, 13 Jul 2021 22:10:59 GMT

@Eyepinpools wrote:
Hey y'all. Pulled the trigger on an Amex BCP app just moments ago. Here are my DPs.

EX8 767
AAoA 3.5yr
AoORA 14.5yr
UTIL 1% ( 131 bal/25,500 TCL)
AWB 1/5
Income 160k
NEW ACCOUNTS : 0/6, 3/12 4/24
first card with Amex

Was instantly approved for a 6k SL. I honestly thought it would be higher since I have 3x cards with BOA all with 7k SL. I guess will try for the 3x CLI @ 61 days to hopefully bring it to 18k CL.

Let me know if you have any advice on recon to higher SL or want any additional DPs.

Congratulations on your approval! I was approved for this card last August and was disappointed with the $5k SL, HOWEVER, it's now at $30k so it's all good lol. In December (I waited longer than 61 days), I applied for a 3x CLI and got it ($15k). Then in June I went for 2x and got it ($30k). It can be hard to get 3x at the higher limits, but your income might support it. Still, they may ask for POI before giving it.

Re: Amex BCP Approval DPs. Slightly disappointed though

CreditAggie — Wed, 14 Jul 2021 02:44:08 GMT

Congratulations on your Amex BCP approval!

Re: Amex BCP Approval DPs. Slightly disappointed though

MyFault — Wed, 14 Jul 2021 02:50:49 GMT

Congrats on your approval!

Re: Amex BCP Approval DPs. Slightly disappointed though

Eyepinpools — Wed, 14 Jul 2021 03:23:47 GMT

Account hasn't reported yet but the HP did. Looks like I took a 7pt hit from it

Re: Amex BCP Approval DPs. Slightly disappointed though

Crowhelm — Wed, 14 Jul 2021 03:55:53 GMT

Congrats on the approval and good CL. Anything over 5K is pretty good in my book. I mean, is your spending way more than 6K in a month? Probably not, so you are mostly thinking of CL padding. That will happen in time.

Re: Amex BCP Approval DPs. Slightly disappointed though

Eyepinpools — Wed, 14 Jul 2021 04:11:26 GMT

@Crowhelm wrote:
Congrats on the approval and good CL. Anything over 5K is pretty good in my book. I mean, is your spending way more than 6K in a month? Probably not, so you are mostly thinking of CL padding. That will happen in time.

Yeah definitely won't affect my ability to use the card.

Re: Amex BCP Approval DPs. Slightly disappointed though

MmmarkAz — Wed, 14 Jul 2021 04:16:52 GMT

@Eyepinpools

Congrats on your BCP Approval! 😃 & Thanks for the DP's!

I Didn't Get a CLI at Recon or 61 days, But Some Get Better SL's on 2nd Card, Good Luck!

Re: Amex BCP Approval DPs. Slightly disappointed though

Eyepinpools — Wed, 14 Jul 2021 04:19:03 GMT

@MmmarkAz wrote:
@Eyepinpools
Congrats on your BCP Approval! 😃 & Thanks for the DP's!
I Didn't Get a CLI at Recon or 61 days, But Some Get Better SL's on 2nd Card, Good Luck!

Did they give you reasoning for not increasing the CL? Do you have any DPs surrounding your CLI requests.

Re: Amex BCP Approval DPs. Slightly disappointed though

MmmarkAz — Wed, 14 Jul 2021 04:26:25 GMT

@Eyepinpools

The Good Thing is.. after your first card, it's usually All Soft Pulls for Other Cards..

Re: Amex BCP Approval DPs. Slightly disappointed though

MmmarkAz — Wed, 14 Jul 2021 04:34:15 GMT

@Eyepinpools Yes, Got Approved for 1k, Called Recon and they said Wait until 61days,

"Account too new", called at 61days and Said Wait 90 days,

So trying again next month..

Re: Amex BCP Approval DPs. Slightly disappointed though

Total80sKid — Wed, 14 Jul 2021 07:36:35 GMT

Congrats on your BCP approval 👍🏼

Re: Amex BCP Approval DPs. Slightly disappointed though

Taurus22 — Wed, 14 Jul 2021 17:34:34 GMT

@Eyepinpools Since my BCP was my first AMEX, I actually waited more than 181 days before I tried my first 3x CLI and got it with no problem at all. The 3xCLI thread really doesn't mention anything about that, I just played it safe and was a little more patient with mine.....didn't want to poke my new bear too early. So, I don't expect to have much issue getting my next one after 181 days either. I think 6 months is a pretty good standard to use with any new lender personally.....but again, I do tend to be more cautious with credit than some.

Re: Amex BCP Approval DPs. Slightly disappointed though

Eyepinpools — Wed, 14 Jul 2021 17:41:47 GMT

@Taurus22 wrote:
@Eyepinpools Since my BCP was my first AMEX, I actually waited more than 181 days before I tried my first 3x CLI and got it with no problem at all. The 3xCLI thread really doesn't mention anything about that, I just played it safe and was a little more patient with mine.....didn't want to poke my new bear too early. So, I don't expect to have much issue getting my next one after 181 days either. I think 6 months is a pretty good standard to use with any new lender personally.....but again, I do tend to be more cautious with credit than some.

What was your SL? How much spend do you put on the card a month?

Re: Amex BCP Approval DPs. Slightly disappointed though

Anonymous — Wed, 14 Jul 2021 17:42:32 GMT

I got mine at 61 days, was for the BCE but sl was 1900. After 61 days hit the luv button and requested 5500 (for an even number lol) got approved right away