topic Re: How to obtain BCE????? in Credit Cards

How to obtain BCE?????

Anonymous — Tue, 17 Oct 2017 20:43:55 GMT

I really really want the Blue Cash Everyday Card here are my data point:

Chase Freedom $500 (given up on getting a CLI lol)

Discover IT $1,600

Citi Double Cash $1,500

Capital One Quicksilver $750

Barclay Apple Rewards $2,000 (only got this for my new laptop, currently paying it off)

Transunion: 692

Experian: 652

$45,000 in student loans. 1 late payment/chargeoff

How can i get approved for the BCE or BCP?

Re: How to obtain BCE?????

Anonymous — Tue, 17 Oct 2017 20:48:48 GMT

How? Smple, you apply.

Your score is right on the borderline (although there is more than just the number to factor). have you at least tried the prequal site?

Re: How to obtain BCE?????

AverageJoesCredit — Tue, 17 Oct 2017 22:55:55 GMT

Lol, fi, lol.

Yeah, your Ex is on the cusp. You could wait til its higher but as recommended, check prequals frequently . Best of luck on your BCEjourney

Re: How to obtain BCE?????

nyancat — Tue, 17 Oct 2017 23:30:50 GMT

@Anonymous wrote:
I really really want the Blue Cash Everyday Card here are my data point:

Chase Freedom $500 (given up on getting a CLI lol)
Discover IT $1,600
Citi Double Cash $1,500
Capital One Quicksilver $750
Barclay Apple Rewards $2,000 (only got this for my new laptop, currently paying it off)

Transunion: 692
Experian: 652

$45,000 in student loans. 1 late payment/chargeoff

How can i get approved for the BCE or BCP?

1 'late payment/chargeoff' - those are very different things. If a debt was written off, I'd not bother trying while that's on your record, personally. Focus on getting that removed.

Re: How to obtain BCE?????

Anonymous — Wed, 18 Oct 2017 00:01:32 GMT

@nyancat wrote:
@Anonymous wrote:
I really really want the Blue Cash Everyday Card here are my data point:

Chase Freedom $500 (given up on getting a CLI lol)
Discover IT $1,600
Citi Double Cash $1,500
Capital One Quicksilver $750
Barclay Apple Rewards $2,000 (only got this for my new laptop, currently paying it off)

Transunion: 692
Experian: 652

$45,000 in student loans. 1 late payment/chargeoff

How can i get approved for the BCE or BCP?

1 'late payment/chargeoff' - those are very different things. If a debt was written off, I'd not bother trying while that's on your record, personally. Focus on getting that removed.

I have tons of charge offs on my report and yet I have 4 AMEX cards approved including BCE. Of course my Experian is over 700.

Re: How to obtain BCE?????

Anonymous — Wed, 18 Oct 2017 02:33:53 GMT

I would wait until your EX goes up a bit because that's mostly what AmEx pulls from, I got it with far less history than you but my EX at time of applying was 728. 728 and I only got a $500 sl :x

Re: How to obtain BCE?????

601flyguy — Wed, 18 Oct 2017 14:38:16 GMT

I second that. I was advised to wait until my ex was around 720. With a squeaky clean but thin file, I barely made it in with a 500 sl

Re: How to obtain BCE?????

601flyguy — Wed, 18 Oct 2017 14:38:53 GMT

And i was preapproved if that matters

Re: How to obtain BCE?????

nyancat — Wed, 18 Oct 2017 19:45:23 GMT

@Anonymous wrote:
@nyancat wrote:
@Anonymous wrote:
I really really want the Blue Cash Everyday Card here are my data point:

Chase Freedom $500 (given up on getting a CLI lol)
Discover IT $1,600
Citi Double Cash $1,500
Capital One Quicksilver $750
Barclay Apple Rewards $2,000 (only got this for my new laptop, currently paying it off)

Transunion: 692
Experian: 652

$45,000 in student loans. 1 late payment/chargeoff

How can i get approved for the BCE or BCP?

1 'late payment/chargeoff' - those are very different things. If a debt was written off, I'd not bother trying while that's on your record, personally. Focus on getting that removed.
I have tons of charge offs on my report and yet I have 4 AMEX cards approved including BCE. Of course my Experian is over 700.

I didn't say it was impossible with a charge off, simply that it was a major negative, both to the OP's score and to their chances with Amex (and for good reason - would you loan money to someone known not to pay back other people?). It's better to work on getting that off their record (pay for delete, possibly) than to worry about Amex. If they get it off they'll have:

1. Done something to feel good about (paying a past debt, if they do a pay for delete).

2. Done something Amex will feel good about (they paid other people, so are more likely to pay them).

3. Done something that will boost their credit score substantially.

Then they can apply for BCE knowing their odds are good!

Re: How to obtain BCE?????

Anonymous — Wed, 18 Oct 2017 20:26:33 GMT

I didn't think I would even get approved for the BCE. My Fico 8 EX score was 663 at the time of application. I have about 3 accounts that were charged off a couple years ago and 1 account still reporting every month as a collection item.

I was instantly approved for a $2k SL. What made me jump at actually applying was that I checked the prequals first, and the BCE came up. I recommend checking that and see if anything comes up.