cancel
Showing results for 
Search instead for 
Did you mean: 

BCE Gravy Train

tag
Anonymous
Not applicable

BCE Gravy Train

Hey All,

I've got a fairly short history. No official credit score but my CK and Experian PLUS scores are 735 and 750. I've got all the cards in my siggy and 2 months on my AmEx green with no problems. I always pay before the due date and run a fair amount through it. I see a ton of other people getting approved for BCE. Do you guys think I have a shot? I'm also looking at a walmart card, but that's probably not gonna come to fruition because it's not a very prime card. Just for reference, I'm planning on apping for chase Freedom and CSP or Ritz in february.

What do you guys think? should I app for BCE? 

Message 1 of 8
7 REPLIES 7
chalupaman
Super Contributor

Re: BCE Gravy Train

Wouldn't you wanna wait until January so you could take advantage of their backdating? Just asking. I think you'd get more out of applying for the BCE then. Seems like you're doing great thus far with your credit and I think you'd have a pretty good chance.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 2 of 8
Anonymous
Not applicable

Re: BCE Gravy Train

I'm going for Delta Skymiles in Jan.

Message 3 of 8
chalupaman
Super Contributor

Re: BCE Gravy Train


@Anonymous wrote:

I'm going for Delta Skymiles in Jan.


Alright cool. In that case, I don't think it would hurt.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 4 of 8
Anonymous
Not applicable

Re: BCE Gravy Train

I think you have a good chance at BCE. I got BCP with worse scores than you have. 

Message 5 of 8
Anonymous
Not applicable

Re: BCE Gravy Train

With the Green Card, they required a 4506-T, and i sent paystubs instead. im only afraid ill have to go through all that again.

Message 6 of 8
Anonymous
Not applicable

Re: BCE Gravy Train

Couldn't take it anymore and applied. They said call back Monday. Cross your fingers!
Message 7 of 8
Anonymous
Not applicable

Re: BCE Gravy Train


@Anonymous wrote:
Couldn't take it anymore and applied. They said call back Monday. Cross your fingers!

Fingers crossed for you! Try not to apply for cards late on Friday or over the weekend. I know the agony of that suspense Smiley Happy Good luck

Message 8 of 8
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.