cancel
Showing results for 
Search instead for 
Did you mean: 

Amex BCE post-mortgage

Highlighted
Frequent Contributor

Amex BCE post-mortgage

Planning welllll in advance (see garden tracker)

Want to get the BCE for groceries and potential 3xCLI after mortgage closes and everything is finalized.

Will the fresh mortgage age 0-1mo hurt the BCE app/SL? Should I wait until mortgage hits 6mo+ or does it really matter since it's installment?

Future account ages:
AoOA (auto): ~12y+
AoOA (card): 2.5y-3y (mtg 0mo-6mo)
AoYA (cardx2) 1.5y-2y (mtg 0mo-6mo)
AAoA: ~4y+

Ideally would be in 800 club prior to mortgage, so assuming high 700s after mortgage



Goal: Mortgage/Chase Trifecta






Message 1 of 4
3 REPLIES 3
Highlighted
Regular Contributor

Re: Amex BCE post-mortgage

In my experience the new mortgage didn’t affect my Amex approval. I bought my house 2/19 and 4/19 was approved for an Amex. I was an Amex member prior to this app and yes my mortgage was reporting when I applied.

My Ex Fico at time of app was 690, so you’ll be in a better position then I was.
Message 2 of 4
Highlighted
Valued Contributor

Re: Amex BCE post-mortgage

Some mortgage companies take months to report and some are fast so it may or may not be on your report when you apply.
That being said if your scores are high 700s low 800s and your dti is not crazy high with the new mortgage I don't think Amex will even blink.
Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 3 of 4
Highlighted
Frequent Contributor

Re: Amex BCE post-mortgage

Yeah if nothing changes and I get the best rates I'm estimating DTI to be about 18-20% not counting the piddly $25 minimums on current cards, so it should be all gravy then



Goal: Mortgage/Chase Trifecta






Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.