topic Re: "Offered" BCE and PRG. Looking for BCP. in Credit Cards

"Offered" BCE and PRG. Looking for BCP.

NachoHunter — Thu, 06 Feb 2014 04:23:31 GMT

Hi all,

Signed up at the AMEX website for CC offers and was sent an email of two card 'offers' for 1) Blue Cash Everyday and 2) Premier Rewards gold.

I'm really looking to get the BCP to put my gas and groceries on, and wondered if these emailed offers are the ceiling or the floor on what card you could get? Will I be auto-declined for a BCP or likely approved since they already extended the BCE to me?

< 20% utilization, 1k BoA Cash Back, and was approved two days ago for a 5k Chase Sapphire Preferred with a 731 CKarma score before the hard inquiry posts. Pulled a couple scores last year and was in the 700-720 range, but have not checked again in several months.

Income 48k, 17k auto, 30k student. Applied for BCP 08/13 and was denied (can't remember reasons)

With the hard inquiry from the CSP, should I attempt to get this BCP? Or is it wiser to grab the Chase Freedom for the 5% transferrable to my CSP and wait for 6 months of revolving these cards before I apply for the BCP?

Re: "Offered" BCE and PRG. Looking for BCP.

Creditaddict — Thu, 06 Feb 2014 07:41:41 GMT

Apply for BCP NOW

"Offered" BCE and PRG. Looking for BCP.

NachoHunter — Thu, 06 Feb 2014 13:11:52 GMT

Sorry for the cross post, but I think I may have initially put this in the wrong forum?

Signed up at the AMEX website for CC offers and was sent an email of two card 'offers' for 1) Blue Cash Everyday and 2) Premier Rewards gold.

Income 48k, 17k auto, 30k student. Applied for BCP 08/13 and was denied (can't remember reasons)

Re: "Offered" BCE and PRG. Looking for BCP.

Kenny — Thu, 06 Feb 2014 14:02:56 GMT

You'd be a shoe-in, personally, to be approved for BCP... get you a good offer and app for it!

Re: "Offered" BCE and PRG. Looking for BCP.

BarryNTexas — Thu, 06 Feb 2014 14:19:26 GMT

How do you sign up at the AMEX website for offers? Thanks, Barry

Re: "Offered" BCE and PRG. Looking for BCP.

CreditMagic7 — Thu, 06 Feb 2014 14:22:09 GMT

Best of luck for a satisfied result!

Re: "Offered" BCE and PRG. Looking for BCP.

NachoHunter — Thu, 06 Feb 2014 15:17:19 GMT

Barry,

Go here:

https://www304.americanexpress.com/credit-card/tools/25330?linknav=us-CCSG-ProspectNav-SpecialOffers#!view-your-special-offers

Re: "Offered" BCE and PRG. Looking for BCP.

indiolatino61 — Thu, 06 Feb 2014 17:58:48 GMT

@NachoHunter wrote:
Hi all,

Signed up at the AMEX website for CC offers and was sent an email of two card 'offers' for 1) Blue Cash Everyday and 2) Premier Rewards gold.

I'm really looking to get the BCP to put my gas and groceries on, and wondered if these emailed offers are the ceiling or the floor on what card you could get? Will I be auto-declined for a BCP or likely approved since they already extended the BCE to me?

< 20% utilization, 1k BoA Cash Back, and was approved two days ago for a 5k Chase Sapphire Preferred with a 731 CKarma score before the hard inquiry posts. Pulled a couple scores last year and was in the 700-720 range, but have not checked again in several months.

Income 48k, 17k auto, 30k student. Applied for BCP 08/13 and was denied (can't remember reasons)

With the hard inquiry from the CSP, should I attempt to get this BCP? Or is it wiser to grab the Chase Freedom for the 5% transferrable to my CSP and wait for 6 months of revolving these cards before I apply for the BCP?

I'm fairly certain the UW requirements are the same between the BCE and BCP, so that shouldn't stop you from applying. The best of luck to you.

Re: "Offered" BCE and PRG. Looking for BCP.

09Lexie — Thu, 06 Feb 2014 18:20:38 GMT

@NachoHunter wrote:
Hi all,

Signed up at the AMEX website for CC offers and was sent an email of two card 'offers' for 1) Blue Cash Everyday and 2) Premier Rewards gold.

I'm really looking to get the BCP to put my gas and groceries on, and wondered if these emailed offers are the ceiling or the floor on what card you could get? Will I be auto-declined for a BCP or likely approved since they already extended the BCE to me?

< 20% utilization, 1k BoA Cash Back, and was approved two days ago for a 5k Chase Sapphire Preferred with a 731 CKarma score before the hard inquiry posts. Pulled a couple scores last year and was in the 700-720 range, but have not checked again in several months.

Income 48k, 17k auto, 30k student. Applied for BCP 08/13 and was denied (can't remember reasons)

With the hard inquiry from the CSP, should I attempt to get this BCP? Or is it wiser to grab the Chase Freedom for the 5% transferrable to my CSP and wait for 6 months of revolving these cards before I apply for the BCP?

The offers are from marketing and unfortunately are not an indicator if you'd be approved.

If your current credit profile is one BoA with a 20% util ( CSP not reporting yet) - I think you might have a better shot after the CSP reports.

However, it is just a hp and it doesn't hurt to try.

Re: "Offered" BCE and PRG. Looking for BCP.

yudeology101 — Thu, 06 Feb 2014 19:00:41 GMT

@Creditaddict wrote:
Apply for BCP NOW

LOL You crack me up man