Applied for Amex BCE, approved for Citi DC... possible fraud??

[M_Smart007]

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@Anonymous wrote:

@Anonymous thanks and sure!

FICO 8 as of yesterday: 720 EQ, 742 TU, 727 EX

Overall utilization ~20%

1 HP in the past year (TU)

Been gardening since 2017 after a post-mortgage app/spending spree got me in over my head (overall utilization at that time was more like 90% and average score was 550), recently got approved for a $10k personal installment loan to consolidate my remaining CC debt which shot my scores up to the above numbers from about 685 just a few weeks ago

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Ok so the theory of Amex only approving above EX 750 .. just got major holes blown in it!

Thanks for the DP's ..

[Anonymous]

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@M_Smart007 wrote:

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@Anonymous wrote:

@Anonymous thanks and sure!

FICO 8 as of yesterday: 720 EQ, 742 TU, 727 EX

Overall utilization ~20%

1 HP in the past year (TU)

Been gardening since 2017 after a post-mortgage app/spending spree got me in over my head (overall utilization at that time was more like 90% and average score was 550), recently got approved for a $10k personal installment loan to consolidate my remaining CC debt which shot my scores up to the above numbers from about 685 just a few weeks ago

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Ok so the theory of Amex only approving above EX 750 .. just got major holes blown in it!

Thanks for the DP's ..

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I was approved for both of my Amex cards under 750.  For both I was around 730-735.

[Anonymous]

Yes, I've seen a lot of people here getting approved for modest SLs even with scores in the high 600s.  I think I definitely depends on the card though, the EDC & BCE seem to be the easiest for those like me who don't have the highest scores but want to get their foot in the door. 

[Anonymous]

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@Anonymous wrote:

@Anonymous thanks and sure!

FICO 8 as of yesterday: 720 EQ, 742 TU, 727 EX

Overall utilization ~20%

1 HP in the past year (TU)

Been gardening since 2017 after a post-mortgage app/spending spree got me in over my head (overall utilization at that time was more like 90% and average score was 550), recently got approved for a $10k personal installment loan to consolidate my remaining CC debt which shot my scores up to the above numbers from about 685 just a few weeks ago

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Thank you - including this info always helps people down the road and gives us all a snapshot of a lender at any given time. Congrats on all you've accomplished - you're definitely doing it right

[BmoreBull]

Congrats on your approvals 

[Meanmchine]

Congrats on your DC card

[Meanmchine]

....and your Amex too

[FieryDance]

Congratulations on both cards!  

Is the BCE your first Amex?  If so did you eventually get an HP on Experian from Amex?  I have to say the sequence of the events as you described was really strange.  A mystery approval!  

[Anonymous]

@FieryDance thank you! And yes, my first Amex... still no HP from them anywhere, definitely weird all around! 

[AllZero]

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@Anonymous wrote:

@FieryDance thank you! And yes, my first Amex... still no HP from them anywhere, definitely weird all around! 

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The Definitive Amex 3X CLI Guide