topic Re: AMEX BCE in Credit Card Applications

AMEX BCE

Anonymous — Sat, 17 Jan 2015 00:43:17 GMT

So I posted a couple weeks ago asking for some input on whether I should wait to apply or not (I didnt have my true EX score at that time). Well I just paid to get my score and report since I was curious and heres what it says:

729 Score

ult = 1%

AAoA = 1.2 years

13 Inquiries

0 Negatives

$9,988 Balance on auto loan (Opened October 1st at $10,116)

I'm just worried that I'll get denied for 1. having 13 inquiries and/or 2. since my installment loan has a high balance. Should I wait a couple months to get my installment loan balance down a little or should I just go for it?

(BTW this card is a WANT not a NEED. I'm just anxious lol)

Edit: My last inquiry was on 10/27/14 for my Freedom card

Re: AMEX BCE

Anonymous — Sat, 17 Jan 2015 00:44:38 GMT

@Anonymous wrote:
So I posted a couple weeks ago asking for some input on whether I should wait to apply or not (I didnt have my true EX score at that time). Well I just paid to get my score and report since I was curious and heres what it says:

729 Score
ult = 1%
AAoA = 1.2 years
13 Inquiries
0 Negatives
$9,988 Balance on auto loan (Opened October 1st at $10,116)

I'm just worried that I'll get denied for 1. having 13 inquiries and/or 2. since my installment loan has a high balance. Should I wait a couple months to get my installment loan balance down a little or should I just go for it?

(BTW this card is a WANT not a NEED. I'm just anxious lol)

If it was me, I'd just go for it. The balance on your auto loan isn't going to affect your approval chances at all. The inquiries are high but of all the banks, AMEX seems more willing to overlook them. Let us know what happens and good luck.

Re: AMEX BCE

Anonymous — Sat, 17 Jan 2015 00:45:21 GMT

From what I understand, Amex is not inquiry sensitive. Your score and your util will certainly look attractive to them. Light on the AAoA, but many have gotten one of their cards with similar.

Re: AMEX BCE

Anonymous — Sat, 17 Jan 2015 01:00:12 GMT

APPROVED!!!!!!!!!!! I'm so happy, it doesn't say my CL but I'll post that when I get it in the mail. Thank you guys so much!

Re: AMEX BCE

Anonymous — Sat, 17 Jan 2015 01:04:18 GMT

@Anonymous wrote:
APPROVED!!!!!!!!!!! I'm so happy, it doesn't say my CL but I'll post that when I get it in the mail. Thank you guys so much!

You should have been offered the option to create an online account. If you do that, you'll be able to see your CL.

Re: AMEX BCE

Anonymous — Sat, 17 Jan 2015 01:05:04 GMT

@Anonymous wrote:
@Anonymous wrote:
APPROVED!!!!!!!!!!! I'm so happy, it doesn't say my CL but I'll post that when I get it in the mail. Thank you guys so much!
You should have been offered the option to create an online account. If you do that, you'll be able to see your CL.

Yes I was, I'm doing that now. It's a $2,500 CL

Re: AMEX BCE

Anonymous — Sat, 17 Jan 2015 01:06:18 GMT

Congrats!

Re: AMEX BCE

Anonymous — Sat, 17 Jan 2015 01:06:40 GMT

@Anonymous wrote:
APPROVED!!!!!!!!!!! I'm so happy, it doesn't say my CL but I'll post that when I get it in the mail. Thank you guys so much!

Congrats! I knew you would be approved

Re: AMEX BCE

Anonymous — Sat, 17 Jan 2015 01:07:19 GMT

Thanks again guys! Now time to wait for my 3x CLI lol

Re: AMEX BCE

Anonymous — Sat, 17 Jan 2015 01:07:28 GMT

@Anonymous wrote:
APPROVED!!!!!!!!!!! I'm so happy, it doesn't say my CL but I'll post that when I get it in the mail. Thank you guys so much!

Awesome!!! Congrats on the approval.

Re: AMEX BCE

Anonymous — Sat, 17 Jan 2015 01:28:49 GMT

Congrats!! 😊

Re: AMEX BCE

Anonymous — Sat, 17 Jan 2015 03:01:32 GMT

congrats!