topic Re: should I app for BCE?? in Credit Cards

should I app for BCE??

Anonymous — Mon, 22 Oct 2012 04:32:37 GMT

Im wondring if I should app for the BCE now. here is some of my info. havent gotten an updated score yet.

Inquiries: TU (2) EX (1) EQ (3)

7% Util

own accounts:

Best buy store card 0/3100 opened 08/2007

Cap1 Cash rewards 100/2000 opened 7/2012

Chase Freedom 0/500 opened 8/2012

AU on DW accounts:

Bank of America 1.2.3 450/1600 it will report $0 next saturday when it upddates which will make the util 1%

Discover More 0/1500

AAoA: 3 years 9 months

No Baddies

Fico EQ 676 from chase approval. only 500 CL because I had 78% Util.

Re: should I app for BCE??

Anonymous — Mon, 22 Oct 2012 04:45:28 GMT

I would give it a shot before the year is over. Good luck

Re: should I app for BCE??

Anonymous — Mon, 22 Oct 2012 04:50:27 GMT

Yes.

Re: should I app for BCE??

Anonymous — Mon, 22 Oct 2012 04:50:35 GMT

@Anonymous wrote:
I would give it a shot before the year is over. Good luck

yeah I want to lock my 2012 date and I dont really want a charge card.

Re: should I app for BCE??

distantarray — Mon, 22 Oct 2012 04:50:59 GMT

if your utility is down under 10% preferably lower than 5% yous hould be fine, I got a BCP with aaoa of 1.9 years but my score was 744 at the time of approval with Amex.

Re: should I app for BCE??

Anonymous — Mon, 22 Oct 2012 06:23:17 GMT

It looks like you a got a shot if you go for it.

Question: Does AU accounts factor into AAoA? Cuz if it doesn't it seems like your AAoA would be lower.

You don't provide scores but your credit profile is good...

Anonymous — Mon, 22 Oct 2012 06:25:42 GMT

You don't provide scores but your credit profile is good enough to get accepted.

Let's do it!

Re: should I app for BCE??

RonDawg — Mon, 22 Oct 2012 06:27:00 GMT

@Anonymous wrote:
Im wondring if I should app for the BCE now. here is some of my info. havent gotten an updated score yet.

Inquiries: TU (2) EX (1) EQ (3)

7% Util

own accounts:
Best buy store card 0/3100 opened 08/2007
Cap1 Cash rewards 100/2000 opened 7/2012
Chase Freedom 0/500 opened 8/2012

AU on DW accounts:
Bank of America 1.2.3 450/1600 it will report $0 next saturday when it upddates which will make the util 1%
Discover More 0/1500

AAoA: 3 years 9 months

No Baddies

Fico EQ 676 from chase approval. only 500 CL because I had 78% Util.

Go ahead and apply, its a great no fee card. Also AMEX is a good company to get in with.

Re: should I app for BCE??

distantarray — Mon, 22 Oct 2012 06:27:08 GMT

@Anonymous wrote:
It looks like you a got a shot if you go for it.

Question: Does AU accounts factor into AAoA? Cuz if it doesn't it seems like your AAoA would be lower.

Yes AU accounts factors into AAOA, this is why there are people who are hungry for a very old AMEX AU what Amex calls ACM additional card member.

basically if someone added you as an ACM had the account open from 1982, it's possible to backdate your member start date to 1982 which is 30 years of history even if your not 30 years old. Intresting thing is if you successfully backdate the account ANY Amex you get (not co-branded ones like costco or macy) will carry over 30 years of history as well.

It's getting harder and harder to do but sometimes if you call 20 times you can find someone to do it lol

Re: should I app for BCE??

Anonymous — Mon, 22 Oct 2012 07:36:13 GMT

I had a C1 that I opened in 2004 the CL was 500 and then they gave me a couple of CLIs until it was in $4500 no AF, I closed it in may because I didnt know anything about credit. That was so stupid on my part, if I would've known about this forum before that card would still be open. Well that card counts in my AAoA.

Re: should I app for BCE??

distantarray — Mon, 22 Oct 2012 09:52:15 GMT

@Anonymous wrote:
I had a C1 that I opened in 2004 the CL was 500 and then they gave me a couple of CLIs until it was in $4500 no AF, I closed it in may because I didnt know anything about credit. That was so stupid on my part, if I would've known about this forum before that card would still be open. Well that card counts in my AAoA.

Too bad it wasn't an Amex, if it was then your perfectly fine

Re: should I app for BCE??

youngandcreditwrthy — Mon, 22 Oct 2012 14:46:36 GMT

Doooo it!!!
I got a $3500 limit on AmexBCE with a 696 TU Fico

Re: should I app for BCE??

SevenNEW — Mon, 22 Oct 2012 15:53:17 GMT

@youngandcreditwrthy wrote:
Doooo it!!!
I got a $3500 limit on AmexBCE with a 696 TU Fico

Agree with all the others -- green light!

Re: should I app for BCE??

Anonymous — Tue, 23 Oct 2012 02:02:35 GMT

Im gonna pull the trigger, wish me luck!!! lol I hope I get it.

Re: should I app for BCE??

Anonymous — Tue, 23 Oct 2012 03:13:14 GMT

Good luck!!!

Re: should I app for BCE??

nicholasyud — Tue, 23 Oct 2012 03:14:56 GMT

better luck

Re: should I app for BCE??

Anonymous — Tue, 23 Oct 2012 03:15:29 GMT

GIT SUMMM!!!!111

Re: should I app for BCE??

Anonymous — Tue, 23 Oct 2012 03:46:17 GMT

Ok, I apped and this is what I got "Thank you for applying. Your application has been received and will be processed as soon as possible and we will notify you of the decision by mail within 14 days.
Thank you for applying. ahhhhh!!!!

Re: should I app for BCE??

Anonymous — Tue, 23 Oct 2012 03:50:03 GMT

ok guys I decided to app for the BCP instead and I just checked their website and this is what I got.

Date Received

Card

Status of Application

Next Step

10/22/12

BLUE CASH PREFERRED(SM)

Approved

Congratulations! Your application has been approved and you should receive your new card within 7-10 days.
If you requested a balance transfer to this card, click here to view the status of that transfer

Re: should I app for BCE??

Revelate — Tue, 23 Oct 2012 03:51:48 GMT

Massive grats dude!