AMEX BCP Chances

[youngandcreditwrthy]

Just so you do know.. the Amex platinum is one of the easiest cards to get out there. that said, if they were still holding a grudge you would know because they wouldnt even process any application at all LOL...

Go for it. def check the pre approval tool

I got my old BCE at 696 TU FICO 3500 150k income.

you're solid! Dont forget to ask for a 3xcli in 61 days or two statements!

P.S. if you've already been paying in full (and I mean that's the requirement with amex plat mostly)I see no need to make a payment any earlier than you normally would.. Just pay it off when you normally would. 

personally though, I'd wait for a full six months on having the platinum if it hasn't been that yet.. I think that's most important here. it will have an impact on your NPSL (the invisible limit)

also remember you're wanting a revolver and remember that people often get denied with scores in your range for not using their credit at all. you need to leave some balances lol Wish I had the problem of 0% utilization haha

[OCONUS]

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@youngandcreditwrthy wrote:

Just so you do know.. the Amex platinum is one of the easiest cards to get out there. that said, if they were still holding a grudge you would know because they wouldnt even process any application at all LOL...

Go for it. def check the pre approval tool

I got my old BCE at 696 TU FICO 3500 150k income.

you're solid! Dont forget to ask for a 3xcli in 61 days or two statements!

P.S. if you've already been paying in full (and I mean that's the requirement with amex plat mostly)I see no need to make a payment any earlier than you normally would.. Just pay it off when you normally would. 

personally though, I'd wait for a full six months on having the platinum if it hasn't been that yet.. I think that's most important here. it will have an impact on your NPSL (the invisible limit)

also remember you're wanting a revolver and remember that people often get denied with scores in your range for not using their credit at all. you need to leave some balances lol Wish I had the problem of 0% utilization haha

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Thank you. It seems that they are processing it and then declining it. On my last BCP application, I had requested a Recon and it took 72 hours and that too came back with a denial. 

On March 17, it will be six months. I am planning to apply after that. 

Chase did shot me down in Dec for not using available credit enough, hahah.

[OCONUS]

Ended up going through "Apply with Confidence" and it came back with "Sorry we cannot approve your application."

Can't seems to access the letter online. It says site is not working. I guess I will have to call them tomorrow.

[youngandcreditwrthy]

I always wait 9 months in between apps for cards with the same banks for two reasons:

1) higher risk of denial

2) you risk losing a CLI on the first card that hasn't been opened six months. 

so once you get a cli on your current amex current, THEN I would apply for the new one that you want. That strategy has worked for me every time when it came to Amex. 

after 9 months and two 3xcli on my bce from 3500 to 24,500 I opened a 5k delta card, then at 61 days or 2 months  I got a 5k cl to 10kTCL.

Gotta be strategic my friend! L0l.. they have weird rules about this stuff that is supposed to "prevent fraud"

GL!