topic Re: Amex application in Credit Card Applications

Amex application

juniornj23 — Wed, 29 Jun 2016 20:11:41 GMT

So i was approve for gold and BCE then i app for BCP they cancelled no HP i call and ask why .well you can only be approved for 1 cc every 5 days . What should i do next

Re: Amex application

disdreamin — Wed, 29 Jun 2016 20:44:12 GMT

juniornj23 wrote:
So i was approve for gold and BCE then i app for BCP they cancelled no HP i call and ask why .well you can only be approved for 1 cc every 5 days . What should i do next

Wait five days?

Re: Amex application

juniornj23 — Wed, 29 Jun 2016 21:00:05 GMT

Should i apply again thata another hp

Re: Amex application

Believe1970 — Wed, 29 Jun 2016 21:10:01 GMT

Only a HP if you're approved.

Re: Amex application

RonM21 — Wed, 29 Jun 2016 21:51:27 GMT

That is really a decision you have to make based on your overall profile. If you think it can be approved and would work for you, go for it.

Re: Amex application

juniornj23 — Wed, 29 Jun 2016 22:09:29 GMT

They dont approved same family card i have to wait if i want the BCP at least 61 days .

Re: Amex application

disdreamin — Wed, 29 Jun 2016 23:14:46 GMT

@juniornj23 wrote:
They dont approved same family card i have to wait if i want the BCP at least 61 days .

Ah, good to know. I had no idea!

Re: Amex application

Anonymous — Thu, 30 Jun 2016 02:25:06 GMT

I think I asked this question in another thread once but never got an answer. I apologize if it's a stupid question... but what is the purpose of having BOTH the BCE and BCP cards? The BCP is everything the BCE is with greater rewards, so why would one use the BCE if they also have the BCP? I guess I could understand it if you're a heavy spender in the rewards categories and max them out on the BCP and then use the BCE as backup... but other than that I'm not seeing the purpose of carrying both.

Re: Amex application

juniornj23 — Thu, 30 Jun 2016 02:34:31 GMT

Same question same answer.
1 my wife though it was the BCP
2 what about UTL
Is not the same own 10k in one card 100% utl
Than own 5 k and 5 k in two card with 10k each 50% utl

Re: Amex application

juniornj23 — Thu, 30 Jun 2016 22:49:01 GMT

Approve amex ED

Re: Amex application

Anonymous — Fri, 01 Jul 2016 14:23:41 GMT

@juniornj23 wrote:
Same question same answer.
1 my wife though it was the BCP
2 what about UTL
Is not the same own 10k in one card 100% utl
Than own 5 k and 5 k in two card with 10k each 50% utl

I am not understanding this. Why would you carry a balance on either of the cards if you want to take advantage of the rewards? You could have gotten the BCP and just pay off the balance before the card reports and it won't effect your utilization at all. It will be harder to get CLI on more than one card because American Exp will only give you CLI on one card every 61 days.