topic Re: Chances at Amex BCE or BCEP? in Credit Card Applications

Chances at Amex BCE or BCEP?

Anonymous — Thu, 28 Jul 2016 00:38:12 GMT

Never applied for an Amex before and see if anybody can comment on my chances of approval for a Blue Cash Everyday Card from Amex.

Experian Fico score - 754

Revolving Credit Limit 12,700

Card Utilization - 30%

Avergae account age 15.1 years

No Baddies

Currently 3 inquires. From 2 years ago. 2 for the same time period when I got my car. And another shortly a few months after. So technically 2 inquires.

The only credit card I have is my Wells Fargo Rewards card. Not great. and a Jewerly Card from Synchrony Bank. Almost paid off.

1 Auto loan through Chase. 17K Balance. Paid on time for the last 2 years.

Looking for the BCE for better cash back rewards.

Should I give it a shot?

Re: Chances at Amex BCE or BCEP?

iheartwings — Thu, 28 Jul 2016 00:43:22 GMT

@Anonymous wrote:
Never applied for an Amex before and see if anybody can comment on my chances of approval for a Blue Cash Everyday Card from Amex.

Experian Fico score - 754

Revolving Credit Limit 12,700
Card Utilization - 30%
Avergae account age 15.1 years
No Baddies

Currently 3 inquires. From 2 years ago. 2 for the same time period when I got my car. And another shortly a few months after. So technically 2 inquires.

The only credit card I have is my Wells Fargo Rewards card. Not great. and a Jewerly Card from Synchrony Bank. Almost paid off.
1 Auto loan through Chase. 17K Balance. Paid on time for the last 2 years.

Looking for the BCE for better cash back rewards.

Should I give it a shot?

Yes. I think you should go for it.

Re: Chances at Amex BCE or BCEP?

Anonymous — Thu, 28 Jul 2016 00:46:43 GMT

Re: Chances at Amex BCE or BCEP?

Anonymous — Thu, 28 Jul 2016 00:48:05 GMT

Check the prequal to see if you have any offers

Also, do you need the Amex bce or bcp? Is your primary expense grocery and gas? Are you in a place where Amex is widely accepted? If not, there are plenty of other cards to choose from for rewards, if that's your purpose.

Re: Chances at Amex BCE or BCEP?

Anonymous — Thu, 28 Jul 2016 00:51:28 GMT

@Anonymous wrote:
Check the prequal to see if you have any offers

Also, do you need the Amex bce or bcp? Is your primary expense grocery and gas? Are you in a place where Amex is widely accepted? If not, there are plenty of other cards to choose from for rewards, if that's your purpose.

I was reading some reviews about the BCE card and it seemed like a great option. I will do a mix of purchases. Gas and Groceries. But probably mostly for groceries. Im in SoCal area and AMEX is accepted widely.

Is the prequal on the amex site? How do I access it? I would just give them basic info?

Thanks for the help!

Re: Chances at Amex BCE or BCEP?

Anonymous — Thu, 28 Jul 2016 00:55:00 GMT

Yes, just go to americanexpress.com and you can search for your pre-qualified offers. They are 90% solid.

Based on the information you provided, I'm 99% sure you'd get approved for the BCE or BCP so if either card suits you I'd say apply. You'd probably get a nice starting SL too, I'd guess around $10k based on the info you provided.

Re: Chances at Amex BCE or BCEP?

Anonymous — Thu, 28 Jul 2016 01:31:18 GMT

Thank you for your help! I will give it a try!

Re: Chances at Amex BCE or BCEP?

Anonymous — Thu, 28 Jul 2016 02:26:47 GMT

Good luck! Let us know how it went.

Re: Chances at Amex BCE or BCEP?

Anonymous — Thu, 28 Jul 2016 03:09:03 GMT

Go for it! And keep us posted

Re: Chances at Amex BCE or BCEP?

Anonymous — Thu, 28 Jul 2016 23:39:32 GMT

If you don't get a pre qual, don't worry about it. Many, many people, (me included), have never gotten an Amex pre qual but have been approved for cards.

Re: Chances at Amex BCE or BCEP?

Anonymous — Fri, 29 Jul 2016 01:40:39 GMT

I just cant find their prequalify on the Amex site anymore.

If anyone can advise how it is done I am curious as well.

Thank you in advance.

Re: Chances at Amex BCE or BCEP?

Anonymous — Fri, 29 Jul 2016 02:36:54 GMT

This link will bring you to the pre-qualified offers page:

https://www.americanexpress.com/us/credit-cards/tools/25330?linknav=us-CCSG-ProspectNav-SpecialOffers&inav=footer_cards_personal#!view-your-prequalified-offers

If you're an Amex member already, I find that link doesn't work in my default browser, but if I use it in a different browser I can search again for my pre-qualified offers.

Re: Chances at Amex BCE or BCEP?

Anonymous — Fri, 29 Jul 2016 23:48:10 GMT

@Anonymous wrote:
This link will bring you to the pre-qualified offers page:

https://www.americanexpress.com/us/credit-cards/tools/25330?linknav=us-CCSG-ProspectNav-SpecialOffers&inav=footer_cards_personal#!view-your-prequalified-offers

If you're an Amex member already, I find that link doesn't work in my default browser, but if I use it in a different browser I can search again for my pre-qualified offers.

Thank you ! That was the reason ... it would not show up in google chrome. I had to use Explorer. Thank you