topic Re: Amex Question in Credit Cards

Amex Question

Moto812 — Sat, 17 Oct 2015 21:54:51 GMT

I was thinking about apping for BCE before entering the garden I currently have had the Platinum for three weeks and the ED just past the month mark heavy usage on both but paid in full . My question is will it hurt my chances for the 61 3xCli if i apply?

Re: Amex Question

Anonymous — Sat, 17 Oct 2015 21:59:24 GMT

No, it won't hurt your chances. Keep us posted on results.

Re: Amex Question

Moto812 — Sat, 17 Oct 2015 22:16:07 GMT

I got the in progress message we will let you know are decision in 14 days message

Re: Amex Question

Anonymous — Sat, 17 Oct 2015 23:20:26 GMT

@Moto812 wrote:
I got the in progress message we will let you know are decision in 14 days message

What are your FICO score if you don't me asking?

Re: Amex Question

takeshi74 — Sun, 18 Oct 2015 00:39:06 GMT

Why are you looking to carry both the ED and the BCE? Have you acutally run the numbers for reards on your spend? The BCE rarely tended to be a good fit from what I recall.

Did you due your due dligence to determine if you could redeem at higher point values with your MR cards?

@Moto812 wrote:
My question is will it hurt my chances for the 61 3xCli if i apply?

No idea. The CLI you stand to qualify for all depends on your credit profile and not just whether or not you apply for the BCE.

Re: Amex Question

red259 — Sun, 18 Oct 2015 00:53:23 GMT

@takeshi74 wrote:
Why are you looking to carry both the ED and the BCE? Have you acutally run the numbers for reards on your spend? The BCE rarely tended to be a good fit from what I recall.

Did you due your due dligence to determine if you could redeem at higher point values with your MR cards?

@Moto812 wrote:
My question is will it hurt my chances for the 61 3xCli if i apply?
No idea. The CLI you stand to qualify for all depends on your credit profile and not just whether or not you apply for the BCE.

+1 Seems like an odd combination of cards. I actually have both cards as well, but that is because the everyday didn't exist when I got the BCP. So I use the everyday and the BCE sits in my SD.

Re: Amex Question

Moto812 — Sun, 18 Oct 2015 02:22:29 GMT

My scores are Eq 663 Ex683 Tu 694 and uti is 23% income 179k . I was thinking BCE just to transfer another card and take advantage of the 0% for 15 months

Re: Amex Question

TekkenQQ7 — Sun, 18 Oct 2015 03:30:05 GMT

@Moto812 wrote:
My scores are Eq 663 Ex683 Tu 694 and uti is 23% income 179k . I was thinking BCE just to transfer another card and take advantage of the 0% for 15 months..
think twice before you appl.
my friend just appl for an amex card with same income straight to FR

Re: Amex Question

Moto812 — Sun, 18 Oct 2015 03:30:15 GMT

From reading other Amex threads it's a Sp right because im a current member ?

Re: Amex Question

TekkenQQ7 — Sun, 18 Oct 2015 03:32:37 GMT

@Moto812 wrote:
From reading other Amex threads it's a Sp right because im a current member ?

its a SP if denied but it shouldn't take long for a decision

Re: Amex Question

Moto812 — Sun, 18 Oct 2015 03:50:10 GMT

I applied about six hours ago and here is the status

Re: Amex Question

TekkenQQ7 — Sun, 18 Oct 2015 06:37:14 GMT

do you have a freeze on your EX report? other than that its a verification process call them tomorrow they will be able to tell you whats holding your application. if it get approved it will be a small CL like 1000. good luck ant let us posted