topic Re: Amex BCE approval in Credit Card Approvals

Amex BCE approval

Chazzay12 — Thu, 08 Sep 2022 15:52:08 GMT

Hi all,

I'm very excited! I've been working on my rebuild for about a year and just got accepted for Amex BCE after checking my prequalified offers and it was on there. I was only approved for $1k SL but I'm just happy to be in the door some might say I should've waiting but whatever... I'm ready to start building the relationship! I've never had an Amex before.

looks like theypulled TU & EX. My EQ fico is 679; EX fico is 669; and unsure of TU right now but I'm sure it's around the same of 670.

Time to cancel my horrible credit one before that AF starts to hit and head back to the garden a happy camper.

So now my lineup will be Cap1 Platinum(don't use much), Discover It, and Amex BCE super happy to have come this far in only a year. Thanks all!!

Re: Amex BCE approval

Mdowning30 — Thu, 08 Sep 2022 16:51:57 GMT

Looks like you're on the same path as i am. I started with a Cap1 Platinum Secured in May 2021. Next i got Chase, Discover, & Amex in that order.

Re: Amex BCE approval

PullingMeSoftly — Thu, 08 Sep 2022 17:26:26 GMT

Congrats, well done! You're certainly on the path of improvement, and glad you can kick Credit One to the curb.

Re: Amex BCE approval

FLLGuy — Thu, 08 Sep 2022 17:30:47 GMT

congrats on your path to healthy credit - you have a nice starting lineup and with Amex in the mix it only gets better from here. BTW I like what you said focused on the relationship than the starting limit. I app'd for the Hilton Amex a few months back and stuck @ $2K SL but, the focus is on the long run and not the short view.

Re: Amex BCE approval

Stealth-1 — Thu, 08 Sep 2022 17:52:32 GMT

Congrats on your first AMEX card and welcome to the club! You will like the BCE.

I like the simplicity of it without having to remember too many spend stipulations.

3% cash back on groceries, gas, and retail - up to 6K per year, then 1% cash back. Things I buy anyways.
1% cash back for all other purchases. This covers everything else. Simple.

Re: Amex BCE approval

Chazzay12 — Thu, 08 Sep 2022 17:51:23 GMT

@FLLGuy wrote:
congrats on your path to healthy credit - you have a nice starting lineup and with Amex in the mix it only gets better from here. BTW I like what you said focused on the relationship than the starting limit. I app'd for the Hilton Amex a few months back and stuck @ $2K SL but, the focus is on the long run and not the short view.

thank you! And thank you to everyone as well. Yes I'm definitely more focused on relationship building than current SL as in a few years this starting limit won't mean much anymore
thanks to this awesome community and all the great advice in here.

Re: Amex BCE approval

Chazzay12 — Thu, 08 Sep 2022 17:53:45 GMT

@Stealth-1 wrote:
Congrats on your first AMEX card and welcome to the club. You will like the BCE.

I like the simplicity of it without having to remember too many spend stipulations.
3% cash back on groceries, gas, and retail - up to 6K per year, then 1% cash back. Things I buy anyways.
1% cash back for all other purchases. This covers everything else. Simple.

Agreed! Well said. I think I will prefer this over my Disco, I've realized im not a huge fan of the rotating categories; but the 5% is nice when applicable. However, I always will need gas in the car, and food on the table

Re: Amex BCE approval

Stealth-1 — Fri, 09 Sep 2022 11:34:35 GMT

@Chazzay12 wrote:
@Stealth-1 wrote:
Congrats on your first AMEX card and welcome to the club. You will like the BCE.

I like the simplicity of it without having to remember too many spend stipulations.
3% cash back on groceries, gas, and retail - up to 6K per year, then 1% cash back. Things I buy anyways.
1% cash back for all other purchases. This covers everything else. Simple.
Agreed! Well said. I think I will prefer this over my Disco, I've realized im not a huge fan of the rotating categories; but the 5% is nice when applicable. However, I always will need gas in the car, and food on the table

Exactly! We have to buy those things anyway so might as well get cash back for it.

Re: Amex BCE approval

coreyb80 — Thu, 08 Sep 2022 18:09:08 GMT

Congrats on the approval!

Re: Amex BCE approval

CreditAggie — Thu, 08 Sep 2022 20:32:12 GMT

Congratulations on your Amex BCE approval!

Re: Amex BCE approval

mfinsmi1 — Fri, 09 Sep 2022 00:52:09 GMT

@Chazzay12 congrats and welcome to the fam.... next card on your list should be a 2% everything card - that would round out your profile really nice

Re: Amex BCE approval

cashorcharge — Fri, 09 Sep 2022 02:48:52 GMT

That's great! Congratulations on your Approval!!!🎉🍾🥂

Re: Amex BCE approval

Chazzay12 — Fri, 09 Sep 2022 10:54:34 GMT

@mfinsmi1 wrote:
@Chazzay12 congrats and welcome to the fam.... next card on your list should be a 2% everything card - that would round out your profile really nice

thanks for the advice.. I've actually been thinking this recently but not sure what I could be approved for. I've been thinking of going for PenFed PCR since I already do my banking with them an EQ is my highest score. Just nervous to not get approved.

And thank you again everyone

Re: Amex BCE approval

KingRue8500 — Fri, 09 Sep 2022 21:20:48 GMT

Congrats on your AMEX Blue Cash Everyday approval