topic Re: AMEX BCE... in Credit Cards

AMEX BCE...

zeusta20 — Sat, 23 Mar 2013 08:56:19 GMT

So. I'm thinking I want my next card to be the BCE. BUT, one of my main goals is to get into the 5 digits. I wanted to use the 3x CLI to get AT LEAST to the 10k mark. In order for me to do that, I'd need to be approved for AT LEAST 3.5k.

Here is my current profile, and maybe you guys can give me feedback:

1st Financial Bank USA 07/08: $0/6400 (23% APR)

Wells Fargo Bank 08/08: $0/3600 (20.55% APR)

AMEX Green 06/12: NPSL

Citi Thank you Preferred 07/12: 4100/4200 (0% till March 14'. Then 15.99% APR)

Chase Sapphire Preferred 03/13': 0/5000 (15.24% APR)

Do you guys think i'd be approved for a MIN line of 3500?

Re: AMEX BCE...

lg8302ch — Sat, 23 Mar 2013 10:25:41 GMT

Score and income? Do you plan to pay down Citi?

Re: AMEX BCE...

sarkell — Sat, 23 Mar 2013 10:30:38 GMT

Hard to say would depend on income scores Id wsit until I had csp at least 6 months.

Re: AMEX BCE...

zeusta20 — Sat, 23 Mar 2013 14:54:41 GMT

Oh yea. Forgot to include those...lol.

Score, TU 704, EQ 674

Never been late, no baddies whatsoever...However, these are WITHOUT my CSP. Or my CLI. I have not received an updated fico score yet because I wanted to wait before my CSP reported. I will be doing that in the next few days or so since my statement cut off was just yesterday.

Re: AMEX BCE...

zeusta20 — Sat, 23 Mar 2013 15:27:45 GMT

Forgot to include my income too...hahaha

between 40-43k.

Re: AMEX BCE...

Anonymous — Sat, 23 Mar 2013 17:16:21 GMT

It was asked before about Citi...

Re: AMEX BCE...

Anonymous — Sat, 23 Mar 2013 17:20:14 GMT

I got approved for a 4k credit line for a BCE about a month ago at 757 TU and 40k income.

Re: AMEX BCE...

zeusta20 — Sat, 23 Mar 2013 18:54:02 GMT

No...not the exact question. With Citi, I was wondering about the CLI. But My main question now is if people have similar credit profiles as I do, and have gotten approved for the BCE of at least 3500. I have a good feeling I'd get approved for the BCE, but I want to get approved for AT LEAST 3500. If I got 2k and after the 61 days, got it up to 6k, that's not what I'm looking for. I wanna get to at least 10k lol. Maybe even 9 or 8k...but def shooting for the 5 digit mark. I don't have a revolving account with Amex, so I'm not sure how strict or lenient they are on CL's.

Re: AMEX BCE...

Anonymous — Sat, 23 Mar 2013 18:58:28 GMT

And what is the alternative? Asking for CLI's on existing cards.

Even if the 61 day doesn't get you 10K, another after 6 more months should, so why not apply and see what you get?

Also, why is 10K so critical? Is this for a definite need or for self-image!

Re: AMEX BCE...

LS2982 — Sat, 23 Mar 2013 19:03:07 GMT

I would be concerned about the maxed Citi card. Everything else looks good for the 3-4k CL.

Re: AMEX BCE...

webhopper — Sat, 23 Mar 2013 19:16:05 GMT

The maxed citi card is a red flag, you should pay it down before applying, for the best chance of getting what you want.

Also, I agree with bs6054, you could be at 10k in less than a year, so why are you so stuck on at least a 3.5k limit.

I see a lot of approvals for 2k. I also see a lot of denials for high utilization...its a balancing act for sure!

Re: AMEX BCE...

Jayb5635 — Sat, 23 Mar 2013 19:22:56 GMT

Doesn't matter if its a low cl. Soft pull to triple your cl in 61 days, then once again every 6 months. I'm not sweating 1k at approval. Why ??? It'll become 3k in 61 days, then 9k in 6 months. Point is once your in, you'll get past 10k eventually.

Re: AMEX BCE...

zeusta20 — Sat, 23 Mar 2013 23:59:18 GMT

@Anonymous wrote:
And what is the alternative? Asking for CLI's on existing cards.

Even if the 61 day doesn't get you 10K, another after 6 more months should, so why not apply and see what you get?

Also, why is 10K so critical? Is this for a definite need or for self-image!

I guess I could do that too. And me having 10k isn't for self-image...its a goal of mine. Kinda like weight...you wanna be a certain weight loss goal, and you do whatever you can to reach that. Similar thing here. I can care less about what others think. I just have it as a goal that i'm trying to reach. I feel like it would help me get to my Fico score goal which is above 750

Re: AMEX BCE...

zeusta20 — Sun, 24 Mar 2013 00:00:54 GMT

@webhopper wrote:
The maxed citi card is a red flag, you should pay it down before applying, for the best chance of getting what you want.

Also, I agree with bs6054, you could be at 10k in less than a year, so why are you so stuck on at least a 3.5k limit.

I see a lot of approvals for 2k. I also see a lot of denials for high utilization...its a balancing act for sure!

right...which is why I decided to ask other for feedback to see if anybody had similar profiles and what their results were. I know its going to be a case by case basis, but at least it gives me an idea.

Re: AMEX BCE...

youngandcreditwrthy — Sun, 24 Mar 2013 00:26:10 GMT

I think you should go for it.
I had a nearly maxxed out (4500/5000)Freedom and nearly maxed out Trav Amex(5000/6500)

And I got a $3.5k lim and the 3xcli!
Maybe pay Citi below $4k. If you have $400-500 to pay it down...

Im thinking you have an 80% shot! If denied, it's a sp SINCE you have Amex Green :-)

Re: AMEX BCE...

youngandcreditwrthy — Sun, 24 Mar 2013 00:28:48 GMT

Overall util is what matters in this case is my point lol

Re: AMEX BCE...

pastnow123 — Sun, 24 Mar 2013 04:54:08 GMT

it's not as difficult as you think. I got my AMX costco w/ CL of 2k. increased to 6k in 2 month and 18k in 8 month. As long as you manage ur cc properly, AMX is pretty generous toward granting cl