topic Re: Declined for BCE in Credit Card Applications

Declined for BCE

EDGE1230 — Tue, 10 Mar 2015 14:32:45 GMT

i was declined today for the BCE card with amex. I currently have the delta gold amex which is about 5 months old. ( was denied the 3x cli in december). The Rep said it was for my fico score. and cited a score of 677 from experian from a soft pull completed on 2/12/2015. My fico shows my exp fico as 685. I dont understand why i would be declined for the fico as the reason because i was approved for the delta card with a 670 FICO. Maybe stricter UW guidelines ? Is this something that is worth a recon? or does amex even really do a recon ? . My 90 days is up from the 3x cli decline on march 15th as well so i have that to consider.

Re: Declined for BCE

baller4life — Tue, 10 Mar 2015 14:55:40 GMT

Stricter UW and no Amex won't recon unless their is an error on your report. Sorry.

Re: Declined for BCE

CreditCuriosity — Tue, 10 Mar 2015 15:17:23 GMT

Blue has the more strict UW of any of the revolver.

Re: Declined for BCE

SecretAzure — Tue, 10 Mar 2015 15:27:34 GMT

@EDGE1230 wrote:
i was declined today for the BCE card with amex. I currently have the delta gold amex which is about 5 months old. ( was denied the 3x cli in december). The Rep said it was for my fico score. and cited a score of 677 from experian from a soft pull completed on 2/12/2015. My fico shows my exp fico as 685. I dont understand why i would be declined for the fico as the reason because i was approved for the delta card with a 670 FICO. Maybe stricter UW guidelines ? Is this something that is worth a recon? or does amex even really do a recon ? . My 90 days is up from the 3x cli decline on march 15th as well so i have that to consider.

Wait until your current Amex card reaches 1 year in age, uses it frequently to show you are the type that actually uses their card. Pay it off on time, all the time, wait for another CLI and after all that has happened the BCE should be easy for you to get! Don't get anymore HP's anymore between now and then.

Good luck!

Re: Declined for BCE

kroberts67 — Tue, 10 Mar 2015 15:27:54 GMT

Why not call and see if you can PC to the BCE? I had the Gold, was denied the BCE via online app but was able to PC from the Delta.

Re: Declined for BCE

msaigh — Tue, 10 Mar 2015 15:37:46 GMT

I agree with SecretAzure, but wait till your 13th statement hits. If your utlization is low and make all your payments, things get easier with Amex after that 13th statement is issued.

Re: Declined for BCE

baller4life — Tue, 10 Mar 2015 15:56:25 GMT

@kroberts67 wrote:
Why not call and see if you can PC to the BCE? I had the Gold, was denied the BCE via online app but was able to PC from the Delta.

Guess you lucked out. I just called and was told not possible to pc to BCE. I will have to app then move Delta limit over after 13th statement. I thought that to be the case. But after seeing this I thought maybe policy changed.

Re: Declined for BCE

msaigh — Tue, 10 Mar 2015 16:03:02 GMT

That's correct. You can PC a cash back to another cash back or a miles/points card to another miles/points card after the 13th statement. Amex will not PC a miles/points card to a cash back card, or vise versa.

Re: Declined for BCE

baller4life — Tue, 10 Mar 2015 16:19:51 GMT

Ok so I could do Delta to ED? Miles/points right?

Re: Declined for BCE

msaigh — Tue, 10 Mar 2015 16:24:09 GMT

I was able to do just that. I had to wait 13 months because I wanted to move from a AF card to a non AF card.

Re: Declined for BCE

kroberts67 — Tue, 10 Mar 2015 16:25:22 GMT

@baller4life wrote:
@kroberts67 wrote:
Why not call and see if you can PC to the BCE? I had the Gold, was denied the BCE via online app but was able to PC from the Delta.
Guess you lucked out. I just called and was told not possible to pc to BCE. I will have to app then move Delta limit over after 13th statement. I thought that to be the case. But after seeing this I thought maybe policy changed.

Ahhh shoot. Well it didn't hurt to ask... I just waited for my bonus points to show up and then was able to switch. I think I did it in the 2nd month.

Re: Declined for BCE

baller4life — Tue, 10 Mar 2015 16:34:50 GMT

Well sweet msaigh! Ok thx!!