topic Re: AMEX BCP $1000 CL Approved in Credit Card Approvals

AMEX BCP $1000 CL Approved

captainsensation — Fri, 19 Jan 2024 05:28:16 GMT

After being denied a couple of years I was able to get in. EX 717 FICO 8

I was checking their website cause I've seen approvals here and thought, "why not?!" I tried for platinum using the know if you're approved and I was and I withdrew my app since I didn't want it. Did the same for BCP but I'm not a fan of the annual fee. Tried for the BCE and it was declined. I figured I was flagged for fraud due to too many attempts. I called a number I received via email and found out I was declined bce cause I was still pending with bcp. Weird thing happened. When it declined it also created a hard inquiry on TransUnion. I'm pissed cause I didn't accept or get a chance to withdraw! Why tell me I wouldn't get a credit pull until I accept and do it anyway!!?

Hours later after going back and forth with Amex and transunion I applied for bcp and got approved. They pulled EX only as mentioned earlier. They only gave $1000 but I'll see if I can product change. I'll get increases later but I'm glad to finally be in with them.

Any ideas on where to go from here? Amex says there was no approval so I shouldn't have a hard pull on TU but I can clearly see the pull as did the reps at TU.

Re: AMEX BCP $1000 CL Approved

GZG — Fri, 19 Jan 2024 05:53:06 GMT

@captainsensation wrote:
After being denied a couple of years I was able to get in. EX 717 FICO 8

I was checking their website cause I've seen approvals here and thought, "why not?!" I tried for platinum using the know if you're approved and I was and I withdrew my app since I didn't want it. Did the same for BCP but I'm not a fan of the annual fee. Tried for the BCE and it was declined. I figured I was flagged for fraud due to too many attempts. I called a number I received via email and found out I was declined bce cause I was still pending with bcp. Weird thing happened. When it declined it also created a hard inquiry on TransUnion. I'm pissed cause I didn't accept or get a chance to withdraw! Why tell me I wouldn't get a credit pull until I accept and do it anyway!!?

Hours later after going back and forth with Amex and transunion I applied for bcp and got approved. They pulled EX only as mentioned earlier. They only gave $1000 but I'll see if I can product change. I'll get increases later but I'm glad to finally be in with them.

Any ideas on where to go from here? Amex says there was no approval so I shouldn't have a hard pull on TU but I can clearly see the pull as did the reps at TU.

new customers get a Exp + TU pull, so that's normal and expected.

get the SUB and keep the BCP for 1 year, when you see the AF post, ask to product change down to the blue cash everyday.

check to see if they will grant a CLI after 90 days and keep checking until they do, ask for $3k and then ask for $9k on the next one

Re: AMEX BCP $1000 CL Approved

citymunky — Fri, 19 Jan 2024 10:04:46 GMT

Enjoy the 6% CB on groceries.

Re: AMEX BCP $1000 CL Approved

JoeRockhead — Fri, 19 Jan 2024 13:22:22 GMT

Congratulations on getting in with Amex, and your approval! I personally wouldn't be concerned with the SL. Amex has proved to be very generous for many, allowing limits to grow substantially over short periods of time. Treat them right and they generally reward it with high CLs and more generous new approvals.

Re: AMEX BCP $1000 CL Approved

NoMoreDebt — Fri, 19 Jan 2024 23:39:01 GMT

Congratulations on the approval

Re: AMEX BCP $1000 CL Approved

BigBS — Sat, 20 Jan 2024 01:29:19 GMT

Congrats on the approval!

Re: AMEX BCP $1000 CL Approved

CreditAggie — Sat, 20 Jan 2024 02:22:26 GMT

Congratulations on your Amex BCP approval!

Re: AMEX BCP $1000 CL Approved

KingRue8500 — Sat, 20 Jan 2024 17:44:21 GMT

Congrats on your AMEX Blue Cash Preferred approval

Re: AMEX BCP $1000 CL Approved

youngandcreditwrthy — Sun, 21 Jan 2024 18:16:01 GMT

Congrats! I cant stress enough how important it is to ask for those amex 3xcli at 61 days and again at 181 days or somewhere therebouts. I took my 3500 BCE to 24,500 (i didnt want higher than that) in that amount of time from that trick.

This could easily become a close to 10,000 CL card in 9-12 months. And my experience is that most issuers will begin matching amex. Good luck!

Re: AMEX BCP $1000 CL Approved

captainsensation — Sun, 21 Jan 2024 23:26:17 GMT

Thanks everyone! While I'm hoping the limit changes once I get the card, if it doesn't I will definitely take your approach.

Re: AMEX BCP $1000 CL Approved

biff-henderson — Mon, 22 Jan 2024 02:16:20 GMT

Congrats on the card.

I squeaked in with a $1K SL in '21 and and a 701 score. Am at $24K now. Use it, pay it, and the limits will come. I will say I didn't get the 60 day bump, had to wait till 90 days. After that they didn't seem to care and just threw the CLI's at me.