topic Re: Amex BCP in Credit Cards

Amex BCP

Creditplz — Wed, 05 Apr 2017 04:53:08 GMT

Looking into adding a Amex BCP & Marriott business before I go back into the garden for another year.. last time I was denied by Amex with a 722 EX Fico8,

Now I sit at 767 EX Fico8, 2% UTI, 50+ inq on EX only 3 in last 6 months.. no baddies.

Reallllly contemplating applying.. any Amex professionals to guide me?

Re: Amex BCP

Discover2016 — Wed, 05 Apr 2017 04:57:52 GMT

I'm really surprised they denied you with that score, from what I have seen, they seemed to have relaxed the UW a bit on the BCE/BCP cards, what were the reasons for denial?

Re: Amex BCP

Anonymous — Wed, 05 Apr 2017 05:06:10 GMT

Did you try to prequalify? DW got approved last month for $15K She went through the prequalifier. They only pulled exp. Instant approval. Inq may hurt you but I don't know

Re: Amex BCP

Creditplz — Wed, 05 Apr 2017 05:09:11 GMT

Reason for my last denial was "Fico score" I thought it was good enough but surprisingly not

Re: Amex BCP

Anonymous — Wed, 05 Apr 2017 05:13:33 GMT

Where are you scores from? They should if " real" scores work.

Re: Amex BCP

Bman70 — Wed, 05 Apr 2017 05:28:26 GMT

I don't know, 50+ inquiries showing on Experian might be worrisome to them. I don't know how inq-sensitive Amex is, maybe others do.

Re: Amex BCP

Creditplz — Wed, 05 Apr 2017 05:39:27 GMT

Scores are from MyFICO & CCT

Re: Amex BCP

Anonymous — Wed, 05 Apr 2017 05:46:17 GMT

It must be the inq then..

Re: Amex BCP

Anonymous — Wed, 05 Apr 2017 11:46:18 GMT

If it were me I'd just app. Once you cross a point of very many inquires, what's another one.

Re: Amex BCP

AverageJoesCredit — Wed, 05 Apr 2017 12:15:30 GMT

Wave hit the nail on the head, your score is great, if that 1 more inquiry is too much for them, their loss

Re: Amex BCP

Creditplz — Wed, 05 Apr 2017 16:59:00 GMT

Just called BofA they confirmed they update on 4/6.. should take me to 1% utilization so I'll update tomorrow once I ring on their doorbell

Re: Amex BCP

Anonymous — Wed, 05 Apr 2017 18:08:08 GMT

@Creditplz wrote:
Just called BofA they confirmed they update on 4/6.. should take me to 1% utilization so I'll update tomorrow once I ring on their doorbell

I'd call recon if you get denied again. Computer system probably wiped because of inq, but an analyst would probably OK it. AMEX BCP BCE has been lenient as of late