topic Re: AMX EX Fico score with approval of BCP in Credit Cards

AMX EX Fico score with approval of BCP

669 — Mon, 23 Apr 2012 22:40:44 GMT

I applied on 4/18/12 for the AMX BCP and got my welcome package and fortunately or unfortunately I got my EX Fico score........809.

Thats a good score but means that I did not get the best APR.

I dont plan on carrying a balance, it would have been nice to get the best APR for the feel good factor.

Still pleased though.

Off to update my siggy!!!!

Re: AMX EX Fico score with approval of BCP

LS2982 — Mon, 23 Apr 2012 22:47:40 GMT

@669 wrote:
I applied on 4/18/12 for the AMX BCP and got my welcome package and fortunately or unfortunately I got my EX Fico score........809.

Thats a good score but means that I did not get the best APR.

I dont plan on carrying a balance, it would have been nice to get the best APR for the feel good factor.

Still pleased though.

Off to update my siggy!!!!

CONGRATS!!!

And WTG on that 800 score!!! Good job!!

Re: AMX EX Fico score with approval of BCP

669 — Mon, 23 Apr 2012 22:53:46 GMT

Thanks LS!!!!!

Good to see you back!!!!

Re: AMX EX Fico score with approval of BCP

LS2982 — Mon, 23 Apr 2012 22:56:58 GMT

@669 wrote:
Thanks LS!!!!!

Good to see you back!!!!

Did you call in about the APR?? I would talk to them about it.

Re: AMX EX Fico score with approval of BCP

Anonymous — Mon, 23 Apr 2012 22:57:13 GMT

Impressive. I too was disappointed when I didn't get the best APR (with a 752), even though I don't revolve. It's still depressing....

Re: AMX EX Fico score with approval of BCP

669 — Mon, 23 Apr 2012 23:52:25 GMT

I WILL WHEN I GET THE CARD!!!!

Re: AMX EX Fico score with approval of BCP

navigatethis12 — Mon, 23 Apr 2012 23:52:29 GMT

Personally, I see the credit limit as a factor of credit worthiness. I would rather have a card with a $10000 limit with 100% rate than a $100 limit with a 0% rate. I could not care less about the rates of cards. Very nice score by the way.

Re: AMX EX Fico score with approval of BCP

Anonymous — Tue, 24 Apr 2012 00:01:30 GMT

Last i checked none of the BCP APRs are atractive. ture getting the best woule be great but whats your limits, the util help would be nice, but with a 809 score it may not help you.

Congrats on the score and card BTW

Re: AMX EX Fico score with approval of BCP

afbar1114 — Tue, 24 Apr 2012 00:12:06 GMT

I am apping for this card right now!!!! only a SP if i dont get it...

Re: AMX EX Fico score with approval of BCP

MsLadyRover — Tue, 24 Apr 2012 00:39:50 GMT

@669 wrote:
I applied on 4/18/12 for the AMX BCP and got my welcome package and fortunately or unfortunately I got my EX Fico score........809.

Thats a good score but means that I did not get the best APR.

I dont plan on carrying a balance, it would have been nice to get the best APR for the feel good factor.

Still pleased though.

Off to update my siggy!!!!

Great score! Congratulations!

Re: AMX EX Fico score with approval of BCP

669 — Tue, 24 Apr 2012 00:44:01 GMT

Afbar

Let us know how you come out!

Re: AMX EX Fico score with approval of BCP

669 — Tue, 24 Apr 2012 00:44:57 GMT

dnice

you are so true about that

Re: AMX EX Fico score with approval of BCP

afbar1114 — Tue, 24 Apr 2012 00:46:28 GMT

Wow no one is even going to stop me haha

Re: AMX EX Fico score with approval of BCP

669 — Tue, 24 Apr 2012 00:49:12 GMT

Afbar

"if you sceered say you sceered"

LOL

Re: AMX EX Fico score with approval of BCP

android01 — Tue, 24 Apr 2012 00:54:50 GMT

Afbar, If you are determined to do it, no one can stop you. However, I doubt you'll be approved with your current scores and history.

Re: AMX EX Fico score with approval of BCP

MsLadyRover — Tue, 24 Apr 2012 00:59:26 GMT

@afbar1114 wrote:
Wow no one is even going to stop me haha

I was going to say something but realized it's only a SP if you don't get approved. And if you do get approved, then hey...Congrats! LOL!

Re: AMX EX Fico score with approval of BCP

afbar1114 — Tue, 24 Apr 2012 01:00:16 GMT

I know i just wanted to see if anyone was paying attention to appbar jr. Lol. But it will only be a sp if i dont get it and i do have almost five months of history with them

Re: AMX EX Fico score with approval of BCP

Creditspa — Tue, 24 Apr 2012 01:21:44 GMT

@669 wrote:
I applied on 4/18/12 for the AMX BCP and got my welcome package and fortunately or unfortunately I got my EX Fico score........809.

Thats a good score but means that I did not get the best APR.

I dont plan on carrying a balance, it would have been nice to get the best APR for the feel good factor.

Still pleased though.

Off to update my siggy!!!!

Let's make sure I understand this. Whenever you app with Amex and gets approved, they will provide an EX score. If/When they provide a score, this means that a person did not qualify for their best rates? So when no score is provided at approval means you qualify for the top iered rate? Am I understanding this correctly?

Re: AMX EX Fico score with approval of BCP

Revelate — Tue, 24 Apr 2012 01:23:45 GMT

@afbar1114 wrote:
I know i just wanted to see if anyone was paying attention to appbar jr. Lol. But it will only be a sp if i dont get it and i do have almost five months of history with them

You routinely ignore advice some folks post here, why should now be any different?

To the OP: I have to laugh at a 800+ FICO not receiving the best terms on any credit card let alone an Amex. Congratulations regardless, it is a sweet card!

Re: AMX EX Fico score with approval of BCP

Revelate — Tue, 24 Apr 2012 01:25:08 GMT

@Creditspa wrote:
@669 wrote:
I applied on 4/18/12 for the AMX BCP and got my welcome package and fortunately or unfortunately I got my EX Fico score........809.

Thats a good score but means that I did not get the best APR.

I dont plan on carrying a balance, it would have been nice to get the best APR for the feel good factor.

Still pleased though.

Off to update my siggy!!!!
Let's make sure I understand this. Whenever you app with Amex and gets approved, they will provide an EX score. If/When they provide a score, this means that a person did not qualify for their best rates? So when no score is provided at approval means you qualify for the top iered rate? Am I understanding this correctly?

That's correct; if you get the best terms available for a given credit product, there's no legal mandate that they provide you a score and the somewhat useful reason list.

By law, if they don't give you the best terms, then they have to provide you the full monty.