topic Re: BCP chances with baddie? in Credit Cards

BCP chances with baddie?

parakleet — Sat, 22 Jun 2013 02:13:30 GMT

I know that Amex revolvers have stricter underwriting requirements than their charge cards. DH is going to go for the BCP and I'm just trying to gauge his chances. His EQ fico is at 705. Hoping it'll go up a few more points once one of his other TLs report a zero balance. The only thing that gives me pause is a 120 day late he has from 6 years ago for his gecrb banana card. It was paid in full and closed. It's the only baddie he has. I know chase and other banks don't seem to mind old lates but I wasn't sure about how Amex looks at old baddies.

Re: BCP chances with baddie?

Anonymous — Sat, 22 Jun 2013 02:15:15 GMT

Since its 6 years old I think he should be fine. It's about to fall off soon anyways I doubt they will care

Re: BCP chances with baddie?

myjourney — Sat, 22 Jun 2013 02:16:48 GMT

@parakleet wrote:
I know that Amex revolvers have stricter underwriting requirements than their charge cards. DH is going to go for the BCP and I'm just trying to gauge his chances. His EQ fico is at 705. Hoping it'll go up a few more points once one of his other TLs report a zero balance. The only thing that gives me pause is a 120 day late he has from 6 years ago for his gecrb banana card. It was paid in full and closed. It's the only baddie he has. I know chase and other banks don't seem to mind old lates but I wasn't sure about how Amex looks at old baddies.

Take the safe route app charge if approved BCP even tho I don't think the late will have much bearing. If you get both cancel charge in 11 months

Re: BCP chances with baddie?

romey050500 — Sat, 22 Jun 2013 02:20:11 GMT

I got approved for the BCP about 3 weeks ago, and I had a 90 day late on my report from 2010. My credit score was 727 at the time.

Re: BCP chances with baddie?

parakleet — Sat, 22 Jun 2013 02:20:00 GMT

@myjourney hmmmm I hadn't thought of that! Would that be just one HP? Would getting approved for a charge help his chances for the BCP?

Re: BCP chances with baddie?

myjourney — Sat, 22 Jun 2013 02:25:27 GMT

@parakleet wrote:
@myjourney hmmmm I hadn't thought of that! Would that be just one HP? Would getting approved for a charge help his chances for the BCP?

It was for me YMMV (DH) but most of the time yes one HP

Edit I wanted to make sure I got my foot in door can't say if it helped ..sorry

Re: BCP chances with baddie?

Anonymous — Sat, 22 Jun 2013 02:32:18 GMT

should be fine.. apply away...

I've received 3 Amex cards since Feb.. 2 revolvers and 1 charge. At the time, I had a foreclosure on record from 2006 - since fallen off, AND I have an unpaid judgment from 2007 still on my report.. No other issues tho..

Re: BCP chances with baddie?

frugalQ — Sat, 22 Jun 2013 02:47:18 GMT

I got BCP in March 2013 with a bunch of lates on my CR during 2009...a bad year!

I was instantly approved with CL of $8.5k. I first got the Green in April 2012 though. My CS at the time of BCP app was 699.

Re: BCP chances with baddie?

parakleet — Sat, 22 Jun 2013 02:53:53 GMT

@frugalQ wrote:
I got BCP in March 2013 with a bunch of lates on my CR during 2009...a bad year!

I was instantly approved with CL of $8.5k. I first got the Green in April 2012 though. My CS at the time of BCP app was 699.

Ooh, thanks for all of the data points guys! This makes me want to go for it now! But I should probably wait until one more account posts the zero balance. But I. want. it. now! Lol.

Re: BCP chances with baddie?

myjourney — Sat, 22 Jun 2013 02:55:55 GMT

@parakleet wrote:
@frugalQ wrote:
I got BCP in March 2013 with a bunch of lates on my CR during 2009...a bad year!

I was instantly approved with CL of $8.5k. I first got the Green in April 2012 though. My CS at the time of BCP app was 699.
Ooh, thanks for all of the data points guys! This makes me want to go for it now! But I should probably wait until one more account posts the zero balance. But I. want. it. now! Lol.

All eyes on you

Re: BCP chances with baddie?

parakleet — Sat, 22 Jun 2013 02:59:33 GMT

@myjourney

Lol. Technically, I'd still be in the garden since it would be for my DH! He only has 2 inq's on his EX as well. But hey, we're in Texas, a community property state so maybe it should count for me too!

Re: BCP chances with baddie?

dodfire — Sat, 22 Jun 2013 03:00:30 GMT

Im just hanging back here watching

Re: BCP chances with baddie?

myjourney — Sat, 22 Jun 2013 03:00:34 GMT

@parakleet wrote:
@myjourney

Lol. Technically, I'd still be in the garden since it would be for my DH! He only has 2 inq's on his EX as well. But hey, we're in Texas, a community property state so maybe it should count for me too!

Lol ERT's have been alerted anyway Lol

Re: BCP chances with baddie?

Anonymous — Sat, 22 Jun 2013 03:03:15 GMT

Oooh, I just went to the Amex site...

WOW so many nice looking cards.. Pretty VIVID colors... They look so sleek and shiny.... Waiting to be adopted... INCREDIBLY convenient and oh so easy to apply with just a few clicks of a mouse.. INSTANT DECISION in less than 6 0 S E C O N D S!! You'll know by 11:15PM EST TONIGHT..

Wow... WOW!!!

Re: BCP chances with baddie?

parakleet — Sat, 22 Jun 2013 03:05:32 GMT

@Anonymous wrote:
Oooh, I just went to the Amex site...

WOW so many nice looking cards.. Pretty VIVID colors... They look so sleek and shiny.... Waiting to be adopted... INCREDIBLY convenient and oh so easy to apply with just a few clicks of a mouse.. INSTANT DECISION in less than 6 0 S E C O N D S!! You'll know by 11:15PM EST TONIGHT..

Wow... WOW!!!

NO DRAPPING ON A FRIDAY NIGHT! Lol.

Re: BCP chances with baddie?

Anonymous — Sat, 22 Jun 2013 03:20:22 GMT

@parakleet wrote:
@Anonymous wrote:
Oooh, I just went to the Amex site...

WOW so many nice looking cards.. Pretty VIVID colors... They look so sleek and shiny.... Waiting to be adopted... INCREDIBLY convenient and oh so easy to apply with just a few clicks of a mouse.. INSTANT DECISION in less than 6 0 S E C O N D S!! You'll know by 11:15PM EST TONIGHT..

Wow... WOW!!!
NO DRAPPING ON A FRIDAY NIGHT! Lol.