topic Re: Should I App For BCP? in Credit Cards

Should I App For BCP?

FicoTron — Mon, 06 Aug 2012 16:19:24 GMT

I want a BCP, I've had a gold card for 4 billing periods running $1500+ through it and paying immediately when it cuts. I want an Amex revolver because within a year my cl should be at least over $10,000 even if they start me at the low amount of $2000. I have had two rebuilders for 2 years, perfect history, my scores are up to par, it's just a 6+ year old CO for $400 as my only blemish. Should I apply?

Re: Should I App For BCP?

iMacDrew — Mon, 06 Aug 2012 16:21:45 GMT

i say do it, if you spend a lot of money on groceries, gas and department stores. If you dont spend so much on groceries why not just app for the BCE?

Re: Should I App For BCP?

FicoTron — Mon, 06 Aug 2012 16:34:04 GMT

The way I spend slightly puts BCP over BCE, I did the math. Plus if my situation changes, that 6% on groceries is crazy good. Not to mention I have an 80 mile commute to work, so the extra % on gas helps too.

Re: Should I App For BCP?

FicoTron — Mon, 06 Aug 2012 16:35:18 GMT

It's a soft pull if I am declined right? So if I app now and am declined, I can try again in a few months, it's really a no brainier I think....someone stop me!

Re: Should I App For BCP?

xiownthisplacex — Mon, 06 Aug 2012 16:45:40 GMT

Yep, it would be a SP if you're denied, so go for it!

Re: Should I App For BCP?

Anonymous — Mon, 06 Aug 2012 20:38:23 GMT

All indications I've seen is that existing Amex customers don't receive hard pulls from denials, you should go ahead and apply.

Re: Should I App For BCP?

Anonymous — Mon, 06 Aug 2012 20:55:18 GMT

Wait till jan for max backdating. Otherwise app away now.

Re: Should I App For BCP?

patternofstars7 — Mon, 06 Aug 2012 23:05:16 GMT

I say go for it.. I just applied for a BCE with a 678 with two COs and a few lates from 5+ years ago. I also had a gold card and run through the same amount and was approved. Plus its a soft pull if denied so it's totally worth it.

Re: Should I App For BCP?

FicoTron — Tue, 07 Aug 2012 16:00:50 GMT

Does it matter if I app online or doi have to do it by phone to not get HP?

Re: Should I App For BCP?

emptypockets — Tue, 07 Aug 2012 16:10:57 GMT

No, it does not matter.

Re: Should I App For BCP?

CK_Charles_Lover — Tue, 07 Aug 2012 16:32:21 GMT

Do it, I say approved! just a sp anyway. Let us know.

Re: Should I App For BCP?

FicoTron — Tue, 07 Aug 2012 17:21:53 GMT

I think I'm gonna do it later today. It just sucks that they pulled all of the sign up bonuses just a few days ago. I would have netted $150 which would have paid the AF for the first 2 years!

Re: Should I App For BCP?

Anonymous — Wed, 08 Aug 2012 03:46:04 GMT

so how'd it go?

Re: Should I App For BCP?

FicoTron — Thu, 09 Aug 2012 02:39:36 GMT

It went smashingly well! I got approved a and got the $150 sign up bonus. I apped over the phone. 2k limit and not the best rate but I PIF so that's fine. I'll also get my EX Fico as a result.

Re: Should I App For BCP?

iMacDrew — Thu, 09 Aug 2012 02:42:38 GMT

congrats, its a good thing you applied over the phone, because If you appd online without being signed it, I dont think it would have been a soft pull. that 2000 could turn to 6000 in 60+ days!

Re: Should I App For BCP?

FicoTron — Thu, 09 Aug 2012 02:48:51 GMT

I'm hoping so. Huge limits that I'll never use are my goal at this point.

Re: Should I App For BCP?

creditnocash — Thu, 09 Aug 2012 02:51:41 GMT

congrats on the card!

if your approved its still a soft pull right?

Re: Should I App For BCP?

FicoTron — Thu, 09 Aug 2012 02:52:58 GMT

No, they whacked EX hard. I knew that going in though, well worth it for this card.

Re: Should I App For BCP?

creditnocash — Thu, 09 Aug 2012 03:01:58 GMT

ok so amex.

soft pull for cli and denials.

hard pull for new lines of credit?

im ok with that.

Re: Should I App For BCP?

Anonymous — Thu, 09 Aug 2012 03:24:14 GMT

any advice? I think my TU FICO is 731 and I have no idea what's on Experiean. I have two chargeoffs circa 2008 -- both paid off since