topic Re: Amex BCE in Credit Cards

Amex BCE

Involus — Sat, 15 Dec 2012 18:21:45 GMT

So mine finally came in the mail today and I just had to post here and say that this is by far the coolest card in my wallet. I used to like the look of my Freedom the best but this card looks so sick. I don't even want to use it cause I hear it scratches way too easy.

Also my lowest APR card to date. Can't wait another 50 some odd days.

Re: Amex BCE

GoldenloveNY — Sat, 15 Dec 2012 18:30:16 GMT

I want to get the BCP. I have the ZYNC now, and it is my price possession in my wallet...lol. It does have lots of scratches due to swipping...lmao. BCE/BCP look awesome. Congrats!

Re: Amex BCE

nicholasyud — Sun, 16 Dec 2012 00:36:05 GMT

Call them if they scratch.......

They free shipping and everything .......why so afraid ???? lol

Re: Amex BCE

distantarray — Sun, 16 Dec 2012 00:51:10 GMT

I called in CSP and Amex BCP and claimed the magnetic strip was worn out after accidently jumping in the ocean =x they sent me new ones, those I plan to frame LMAO 13 years with bad credit first real cards I got and they look pretty lmao!

Re: Amex BCE

Anonymous — Sun, 16 Dec 2012 04:54:01 GMT

Yeah just got mine today but the APR wasn't the lowest I've had, not even close lol...19.99% what? And they based this on a 779 EXP FICO score? (which by the way I know because of the letter they sent regarding the hard inquiry) My PenFed is 9.99%...I will not be carrying a balance on this after the APR promo expires. The looks of the card though is another ball game...my wife was like "oooh I want one", so I added her as an AU and hers should arrive soon. I have always wanted this card and it feels good to finally get it with a decent credit limit.

Re: Amex BCE

Involus — Sun, 16 Dec 2012 04:57:30 GMT

I showed mine to my mom and she was like that's a slick card - the I told her the sign up bonus and what the cash back is on it and she wants one now I think shes gonna app monday.

The crazy thing is I've worked in the restaurant industry and also retail and I have NEVER seen one of these cards in person until I got mine today. I've seen plenty of Platinums and other charges but never any Clear/Blue series of cards. This is by far the coolest card in my wallet - even took it on a small swiping spree today and got a compliment on it at almost every retailer.

Re: Amex BCE

Anonymous — Sun, 16 Dec 2012 05:02:40 GMT

BCE is on top of my list of future apps once I get 1 year of history. Should I apply for an Amex Charge Card first before I bother trying for the BCE?

Re: Amex BCE

Involus — Sun, 16 Dec 2012 05:08:19 GMT

Whats your credit profile look like? Accounts - Age - AoAA - Util?

I don't think it matters honestly.. I apped and was instant approved for Green Charge apped like 3 days later for BCE and was instant approved again.. Now I have a Green Charge that will get SD as I have no use for it as the rewards are mediocre and I have better cards to run big money through. So I feel like I wasted an inq and added a TL that's useless as I will close it before the AF hits. Shoulda just apped for BCE - if you app for BCE and get denied wait your 30 days and reapp for a charge.

Re: Amex BCE

Duncanrr — Sun, 16 Dec 2012 05:11:09 GMT

@distantarray wrote:
I called in CSP and Amex BCP and claimed the magnetic strip was worn out after accidently jumping in the ocean =x they sent me new ones, those I plan to frame LMAO 13 years with bad credit first real cards I got and they look pretty lmao!

I did that with my Zync and AMEX Delta. They had the old 2012 member since date and not 1993. Ive decided to keep the old 2012 cards as keep sakes.

Re: Amex BCE

Involus — Sun, 16 Dec 2012 05:12:50 GMT

I think I may frame my Green rather than SD it since it's my first Amex haha.

Re: Amex BCE

Anonymous — Sun, 16 Dec 2012 05:27:58 GMT

@CotySinz wrote:
Whats your credit profile look like? Accounts - Age - AoAA - Util?

I don't think it matters honestly.. I apped and was instant approved for Green Charge apped like 3 days later for BCE and was instant approved again.. Now I have a Green Charge that will get SD as I have no use for it as the rewards are mediocre and I have better cards to run big money through. So I feel like I wasted an inq and added a TL that's useless as I will close it before the AF hits. Shoulda just apped for BCE - if you app for BCE and get denied wait your 30 days and reapp for a charge.

2 accounts: Capital One Secured $600CL 6 months history beginning of January, DCU Visa Platinum $1500CL 1 month history beginning of January. Thin file with no baddies and I always pay down balance to 5% utilization before statement cuts then I pay the rest off when I get my statement. No Fico Scores yet

Re: Amex BCE

Involus — Sun, 16 Dec 2012 05:31:14 GMT

I see.. well when you pull your first scores that's when I would be able to better advise you. I don't know how 'prime' DCU is considered but they gave you a $1,500 limit with that history so your off to a good start - as well as keeping util down and not being late on payments. I've seen people get Amex charge card approvals as their first card so the BCE could be in your sights. Maybe a bit more history and letting DCU age a bit before you apply (like 6 mos or so).

Re: Amex BCE

jake619 — Sun, 16 Dec 2012 05:32:10 GMT

@Anonymous wrote:
Yeah just got mine today but the APR wasn't the lowest I've had, not even close lol...19.99% what? And they based this on a 779 EXP FICO score? (which by the way I know because of the letter they sent regarding the hard inquiry) My PenFed is 9.99%...I will not be carrying a balance on this after the APR promo expires. The looks of the card though is another ball game...my wife was like "oooh I want one", so I added her as an AU and hers should arrive soon. I have always wanted this card and it feels good to finally get it with a decent credit limit.

I haven't received my card yet but I asked the Agent what my FICO was and they (two calls) put me on hold and then came back saying they would not disclose it. I thought it was shady but then this was posted on my approval thread: http://ficoforums.myfico.com/t5/Credit-Cards/Preparing-for-BCE-App-UPDATED/m-p/1747652#M486339. This confuses me even more because my FICO is nowhere near yours and if the post is true then it stands to reason they saw something unhealthy in your CR and the FICO is what saved the approval. AMEX is so predictably unpredictable.

Re: Amex BCE

Involus — Sun, 16 Dec 2012 05:39:37 GMT

After I just read your post I am in awe that you were approved..

For those that are curious, my most recent TU FICO (quarterly monitoring from here) was 677, no past due accounts, 20 yr credit history, 5 of 15 accounts with negative remarks (all over 3 years ago) and 3 CO's (all over 3 years ago). I must admit, I was surprised to be approved. Currently I have a Cap1 CL 750 and a Barclay Rewards CL 1900.

Regardless though congrats on your approval. Amex is so predictably unpredictable as you already have stated.

Re: Amex BCE

jake619 — Sun, 16 Dec 2012 05:44:09 GMT

@CotySinz wrote:
After I just read your post I am in awe that you were approved..

Right? I think it was the 12/12/12 app date. Goes to show if you have an HP to burn why not try.

Re: Amex BCE

Involus — Sun, 16 Dec 2012 05:50:32 GMT

Could have been haha. Never know unless you pull that trigger.

Re: Amex BCE

SevenNEW — Sun, 16 Dec 2012 13:46:42 GMT

@CotySinz wrote:
Could have been haha. Never know unless you pull that trigger.

Definitely amazing -- I would have never put my money on you. Glad it worked out, but we should clarify to other readers that this is a _very_ rare occurrence. I waited 3 years after I got my first credit report before trying Amex.

Re: Amex BCE

Involus — Sun, 16 Dec 2012 15:49:40 GMT

The one who was approved with that was Jake619 not myself. I have a clean file.

Re: Amex BCE

jake619 — Sun, 16 Dec 2012 17:10:16 GMT

@CotySinz wrote:
The one who was approved with that was Jake619 not myself. I have a clean file.

Sorry, didn't intend to thread-jack.

Re: Amex BCE

Anonymous — Sun, 16 Dec 2012 17:56:03 GMT

@Anonymous wrote:
Yeah just got mine today but the APR wasn't the lowest I've had, not even close lol...19.99% what? And they based this on a 779 EXP FICO score? (which by the way I know because of the letter they sent regarding the hard inquiry) My PenFed is 9.99%...I will not be carrying a balance on this after the APR promo expires. The looks of the card though is another ball game...my wife was like "oooh I want one", so I added her as an AU and hers should arrive soon. I have always wanted this card and it feels good to finally get it with a decent credit limit.

As you have the PenFed Platinum Rewards, what does the BCE give you? Department Stores? I can understand the BCP for the extra 3% on groceries, but PenFed gives you 5% on gas vs 2% and the same 3% on groceries, but BCE is capped and PenFed isn't.