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Amex BCE

Regular Contributor

Amex BCE

I checked their prequal and did not get any offers back.  Does Amex typically SP EX for the preapprovals?


Feb - May 2017

Current Fico 8

Goal:

Gardening until June 2019
Message 1 of 14
13 REPLIES
Contributor

Re: Amex BCE

I'm not sure on the SP, but I know the HP for me was EX.  I also had them come back with offers for multiple cards.  

BCE AMEX ($15000) - Citi DC ($3100) - Uber Barlayscard ($500) - Hilton Honors AMEX ($5000) - Best Buy Citi Visa ($3000) - Sony/Sync ($2400) - Cap1 Secured ($500) *AVOID!!

Mar 2018 EQ 759 - - Apr 2018 TU 775 - - June 2018 EX 766
Message 2 of 14
Regular Contributor

Re: Amex BCE

What was your EX score at the time? 


Feb - May 2017

Current Fico 8

Goal:

Gardening until June 2019
Message 3 of 14
Frequent Contributor

Re: Amex BCE

It's pretty reasonable if they SP Experian for promotional offers given that they mostly use EX for credit desicions. However, they do also SP TransUnion.

Message 4 of 14
Regular Contributor

Re: Amex BCE

When Amex SP, are they pulling a current score? 


Feb - May 2017

Current Fico 8

Goal:

Gardening until June 2019
Message 5 of 14
Senior Contributor

Re: Amex BCE

Do you have any Amex credit cards already or would this be a first card?

 

I have no Amex cards and no prequalifications ever.  But my EX FICO8 was 710 so I cold apped for BCP and was instantly approved for $2000, and CLI to $6000 61 days later.

 

If your EX FICO8 is decent, just cold app.

 

Also, I had tons of new accounts and inquiries, still approved with an average FICO score.

Message 6 of 14
Regular Contributor

Re: Amex BCE

This would be my first Amex card.  My EX is 673 currently and I'm not sure if that will make the cut.  


Feb - May 2017

Current Fico 8

Goal:

Gardening until June 2019
Message 7 of 14
Established Contributor

Re: Amex BCE

Good luck with that!

Message 8 of 14
Super Contributor

Re: Amex BCE

If you are unsure of are on the cusp, simply wait a bit until you aren't so that your chances for a favorable result.

Message 9 of 14
Frequent Contributor

Re: Amex BCE

Hey prestige. I have a 670 EX. Just applied and approved for the BCE yesterday. For $1000. And then apprd for the Delta Blue Miles card and approved. NPSL. I've checked pre-qualified on their site for over a year and never got one. It was a cold app for me. YMMV

Fico 08 TU 680 EQ 682 EX 680 (4/05/18)
Fico 08 TU 668 EQ 656 EX 671 (1/13/18)
FICO 08 TU 533 EQ 512 EX 522 (2/6/17)
1 collection charge off paid April '17 ($500 GTE FCU) went over 120+ days late on it account closed. PIF to CA

NFCU Cash Rewards-$2800 (1/13/18), USAA Classic Platinum Visa-$1000 (1/13/18), Discover IT-$10,000! (1/13/18), AMEX BCE-$1000 (1/13/18), AMEX Blue Delta SkyMiles-$1000 (1/13/18), Care Credit-$7500(1/13/18), Cap1 Platinum Preferred-$1500 (1/15/18), Wal-Mart $5000 as of Nov '17 (SL $200 July '17), Dillards $1000 July '17, Several rebuilder cards closed not listed
Message 10 of 14