topic Re: AMEX SCORE TO BE APPROVED FOR BCE AND AME in Credit Cards

AMEX SCORE TO BE APPROVED FOR BCE AND AME

Anonymous — Tue, 10 May 2016 10:18:02 GMT

hello wanted to know what score does AMEX usually accept for AME AND BCE

Re: AMEX SCORE TO BE APPROVED FOR BCE AND AME

Anonymous — Tue, 10 May 2016 11:28:54 GMT

Some have been approved with Fico under 650 with clean files. 650 seems to be the minimum around here. Amex will usually pull Experian.

Re: AMEX SCORE TO BE APPROVED FOR BCE AND AME

Anonymous — Tue, 10 May 2016 13:51:41 GMT

I got the Amex ed approval with a EX score around 690 and TU at around 665. They pulled the TU like 4 days later. Took them two weeks to make a decision due to a system glitch so I got frustrated and applied for BCE and was approved for that a week later and my EX score was 676 according to the card member agreement paperwork. I have multiple lates on my installment accounts but I have been clean on all my credit cards. One charge off from 2014 on a LOC and a judgement reported on EQ that they luckily did not pull. Good luck

Re: AMEX SCORE TO BE APPROVED FOR BCE AND AME

creditguy — Tue, 10 May 2016 15:09:58 GMT

A few things to keep in mind. While you could be approved with a lower score say 650 you will more than likely be stuck with a low SL, say $1k or even a rare $500. Once you get stuck in low SL territory it may take some time to get out of there. Not always a good place to start.

Another thing is there's more to approval than score and everyone's approval is different. You could have a decent score but could have high utilization, that's a denial more than likely, decent score and a charge off that's a possible approval. Every case is different and data points are great but they can be all over the map. Take a look at your EX score and overall profile and decide if it's right to pull the trigger, good luck.

Re: AMEX SCORE TO BE APPROVED FOR BCE AND AME

pizza1 — Tue, 10 May 2016 16:39:08 GMT

Score is not the only factor here...They will look at your whole profile. It would help to know what baddies you have (lates, CO, BK,etc...) , and what positives you have too.

Every profile is different, but score is not the ONLY factor.

Re: AMEX SCORE TO BE APPROVED FOR BCE AND AME

Anonymous — Tue, 10 May 2016 17:15:25 GMT

I got an Everyday last June with a 675 EX and a $15,000 starting limit. Score now 707. Still at 15K-no CLI needed! ;-) 0% thru August, then 20.24%-request a lower interest rate at that time-AMEX sometimes does that. Also have a senior gold card (not offered anymore). Initally denied reinstatement with a 667 score but was able to get it back last August.

Re: AMEX SCORE TO BE APPROVED FOR BCE AND AME

Anonymous — Tue, 10 May 2016 18:06:13 GMT

approved for BCE on 4/21/16 with EX 656, two chargeoffs from 2013, a collection from 2013, and a 90 days late from 2013. 5 years oldest account, 2.2 AAoA

Re: AMEX SCORE TO BE APPROVED FOR BCE AND AME

Anonymous — Tue, 10 May 2016 23:11:52 GMT

Thanks everyone for the advice, my scores are all in the 640 ranges ,so I guess I'll try to wait until their at least 660 to 670 range to apply

Re: AMEX SCORE TO BE APPROVED FOR BCE AND AME

Anonymous — Wed, 11 May 2016 00:14:45 GMT

Have you tried the pre-qualify site on their page?

Re: AMEX SCORE TO BE APPROVED FOR BCE AND AME

Anonymous — Wed, 11 May 2016 00:38:47 GMT

I just did after seeing your response, was prequalify for plenti , green and delta gold

Re: AMEX SCORE TO BE APPROVED FOR BCE AND AME

myscore1 — Wed, 11 May 2016 02:58:51 GMT

Dont worry too much about the prequalify links. I have never been prequalified for ANY card, and I got the PRG, Platinum and BCP (10k) with a regular online application. It only took on HP from EXP. Good luck!

Re: AMEX SCORE TO BE APPROVED FOR BCE AND AME

Anonymous — Wed, 11 May 2016 18:58:42 GMT

I got approved for the PRG and BCP card with a 698 EX. I would recommend doing a 2 for 1 and apply for Green since you were pre-approved for that (also, charge cards are easier to get approved fov vs. revolvers), then apply for BCE right after so you only use 1 HP. Best case scenario is you get approved for both with only 1HP!

If you don't get approved for BCE, you can apply at a later date without risking another HP on denial since AMEX will only SP on denials after you establish an account with them.

Re: AMEX SCORE TO BE APPROVED FOR BCE AND AME

Closingracer99 — Wed, 11 May 2016 19:08:40 GMT

@creditguy wrote:
A few things to keep in mind. While you could be approved with a lower score say 650 you will more than likely be stuck with a low SL, say $1k or even a rare $500. Once you get stuck in low SL territory it may take some time to get out of there. Not always a good place to start.

Another thing is there's more to approval than score and everyone's approval is different. You could have a decent score but could have high utilization, that's a denial more than likely, decent score and a charge off that's a possible approval. Every case is different and data points are great but they can be all over the map. Take a look at your EX score and overall profile and decide if it's right to pull the trigger, good luck.

I got out pretty quickly. Got my BCE with a limit for $1,000 which became $3,000. Than got the ED with a SL of $3,000. Now I have a $12,000 limit on my ED and $4,000 on my BCE ( transfered some to my Hilton card) and a HHONORs hilton card with a $6,000 limit.

Re: AMEX SCORE TO BE APPROVED FOR BCE AND AME

Anonymous — Wed, 11 May 2016 19:25:33 GMT

Anyone have any opinions on the BCE vs the BCP? The difference near as I can tell is the $75 AF, but that extra 3% at grocery stores (6% vs 3% back) accordingly to my grocery store spends would more than cover the AF. I've also heard it's possible to get AF's waived somehow? Aside from the AF and the different % cash backs, are there any real difference between getting either card? Is one "tougher" to get approved for than the other, are SL's and CLI's similar with the two, etc?