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Is it possible to get Amex BCE with 6 months history?

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Subexistence
Established Contributor

Is it possible to get Amex BCE with 6 months history?

I'm curious if it's possible to land Amex BCE with just 6 months history. I heard people can get it in their low 600 scores and so how much of a chance would someone with a high score but limited history have? Also I'm college student with independent income.








Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-795,Eq08-807,Tu08-787,EX98-761,Eq04-742
Goal Score: Ex98-760,Eq04-760


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21 REPLIES 21
SecretAzure
Valued Contributor

Re: Is it possible to get Amex BCE with 6 months history?

I think your history might not be reporting yet...or might just be reporting. I think patience will be your ally here...the longer you wait the more attractive your profile will look. If you wait until 1 year of credit history, your chances will not only look better but your startling limit will too. What's your income look like, if I may ask?

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 2 of 22
Subexistence
Established Contributor

Re: Is it possible to get Amex BCE with 6 months history?


@SecretAzure wrote:

I think your history might not be reporting yet...or might just be reporting. I think patience will be your ally here...the longer you wait the more attractive your profile will look. If you wait until 1 year of credit history, your chances will not only look better but your startling limit will too. What's your income look like, if I may ask?


Like 30k a year. I make 15/hr tutoring. College students don't make a lotSmiley Sad








Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-795,Eq08-807,Tu08-787,EX98-761,Eq04-742
Goal Score: Ex98-760,Eq04-760


Take the myFICO Fitness Challenge

History of my credit
Message 3 of 22
SecretAzure
Valued Contributor

Re: Is it possible to get Amex BCE with 6 months history?


@Subexistence wrote:

@SecretAzure wrote:

I think your history might not be reporting yet...or might just be reporting. I think patience will be your ally here...the longer you wait the more attractive your profile will look. If you wait until 1 year of credit history, your chances will not only look better but your startling limit will too. What's your income look like, if I may ask?


Like 30k a year. I make 15/hr tutoring. College students don't make a lotSmiley Sad


That's more than enough for the purposes of establishing credit. It's good you've thought about your credit as it's really important for your future. According to your sig, you have 2 cards. That's really going to help build out your credit. Has your Discover graduated yet or is it still secure?

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 4 of 22
Subexistence
Established Contributor

Re: Is it possible to get Amex BCE with 6 months history?


@SecretAzure wrote:

@Subexistence wrote:

@SecretAzure wrote:

I think your history might not be reporting yet...or might just be reporting. I think patience will be your ally here...the longer you wait the more attractive your profile will look. If you wait until 1 year of credit history, your chances will not only look better but your startling limit will too. What's your income look like, if I may ask?


Like 30k a year. I make 15/hr tutoring. College students don't make a lotSmiley Sad


That's more than enough for the purposes of establishing credit. It's good you've thought about your credit as it's really important for your future. According to your sig, you have 2 cards. That's really going to help build out your credit. Has your Discover graduated yet or is it still secure?


It's still secure.








Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-795,Eq08-807,Tu08-787,EX98-761,Eq04-742
Goal Score: Ex98-760,Eq04-760


Take the myFICO Fitness Challenge

History of my credit
Message 5 of 22
SecretAzure
Valued Contributor

Re: Is it possible to get Amex BCE with 6 months history?


@Subexistence wrote:

@SecretAzure wrote:

@Subexistence wrote:

@SecretAzure wrote:

I think your history might not be reporting yet...or might just be reporting. I think patience will be your ally here...the longer you wait the more attractive your profile will look. If you wait until 1 year of credit history, your chances will not only look better but your startling limit will too. What's your income look like, if I may ask?


Like 30k a year. I make 15/hr tutoring. College students don't make a lotSmiley Sad


That's more than enough for the purposes of establishing credit. It's good you've thought about your credit as it's really important for your future. According to your sig, you have 2 cards. That's really going to help build out your credit. Has your Discover graduated yet or is it still secure?


It's still secure.


I think you should wait for it to become unsecured...which could be any month now if you're not maxing it out.

 

Lets see what others have to say... Smiley Happy

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 6 of 22
GetMeSlick
Established Contributor

Re: Is it possible to get Amex BCE with 6 months history?

what are your current scores?
4/2024 FICO TU-840|EX - 838|EQ -840
Total Credit - $535K+
Starting Score: 640
Current Score: 840
Goal Score: 850


Take the myFICO Fitness Challenge
Gardening since Mar/2024
Message 7 of 22
Subexistence
Established Contributor

Re: Is it possible to get Amex BCE with 6 months history?


@GetMeSlick wrote:
what are your current scores?

Creditkarma 728








Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-795,Eq08-807,Tu08-787,EX98-761,Eq04-742
Goal Score: Ex98-760,Eq04-760


Take the myFICO Fitness Challenge

History of my credit
Message 8 of 22
Anonymous
Not applicable

Re: Is it possible to get Amex BCE with 6 months history?

For what it's worth, I applied with similar circumstances and was denied about a month ago. Personally, if I were you, I would wait 6 months to age your accounts and perhaps get a slightly higher income to report.

 

I am also a college student, slightly longer credit history, and FICO scores ~700. I had a pre-existing Amex card, and applied for the BCE. I was rejected due to 1) short credit history and 2) insufficient income. I called recon, and the representative seemed to be fine with the short credit history (perhaps since I have an Amex in good standing) but they wouldn't budge on income ($11k/year). 

 

But oddly, my cousin applied with a slightly higher income but a lower score/no previous Amex relationship; he was approved. 

 

 

Message 9 of 22
Subexistence
Established Contributor

Re: Is it possible to get Amex BCE with 6 months history?


@Anonymous wrote:

For what it's worth, I applied with similar circumstances and was denied about a month ago. Personally, if I were you, I would wait 6 months to age your accounts and perhaps get a slightly higher income to report.

 

I am also a college student, slightly longer credit history, and FICO scores ~700. I had a pre-existing Amex card, and applied for the BCE. I was rejected due to 1) short credit history and 2) insufficient income. I called recon, and the representative seemed to be fine with the short credit history (perhaps since I have an Amex in good standing) but they wouldn't budge on income ($11k/year). 

 

But oddly, my cousin applied with a slightly higher income but a lower score/no previous Amex relationship; he was approved. 

 

 


What was your pre-existing card and what was your cousin's income if you don't mind me asking?








Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-795,Eq08-807,Tu08-787,EX98-761,Eq04-742
Goal Score: Ex98-760,Eq04-760


Take the myFICO Fitness Challenge

History of my credit
Message 10 of 22
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