AMEX BCE Approval

[smittyb]

Yesterday, I posted I was approved for a 12k Discover card.

Today, I pushed my luck with AMEX BCE… it said I was pre-approved and I was Impulsive.

I knew I wanted one more card and thought if this worked I would be satisfied. (I have never had an AMEX) So I gave it a shot hoping it would pull EQ cause thought I read they do EX or EQ  and I have zero HP on EQ.  But they pulled Experian and I ended up with a 10k Limit.

They did pull Experian, I have no idea which one, other than Experian told me.

DP FOR AMEX BCE

FICO 8 713  (Down 1)

Bank 8 724  (Down 1 since Discover yesterday)

Bank2  711    (Not updated)

Bank 3 694   (DOWN 8-- took a nose dive since Discover)

Bank 9 705   (Not updated)

I have about 31 lates in the past 7 years. Last late was Jan 2020.

My personal UTI was. 36.6%

MY aggregate UTI was 26%

I had 1 Inquiry 1 month ago, 1 more Inquiry yesterday.

PS 

I did a soft pull on the Apple Card last week and my SL was 1500.  I did not accept.

I did mark my calendar for 31 days to try it again to see if it goes up. So I might be

Tempted. But now I am done.

[AllZero]

Congratulations on your approval! AmEx majority of the time pulls EX FICO 8.

[AllZero]

The Definitive Amex 3X CLI Guide

[smittyb]

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@AllZero wrote:

The Definitive Amex 3X CLI Guide

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 Thanks!.... How long do you think my scores bounce back from two new cards?

[heeseon]

Congratulations

[AllZero]

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@smittyb wrote:

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@AllZero wrote:

The Definitive Amex 3X CLI Guide

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 Thanks!.... How long do you think my scores bounce back from two new cards?

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Not knowing your complete profile, around 6 months. For immediate score increase look into AZEO All Zero Except on card reporting a balance. Individual 28.9% or under. Aggregate 8.9% or under.

ETA Since you are on a derogatory score card, you do not receive new account penalty.

[M_Smart007]

Congratulations on your approval! ...

[M_Smart007]

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@AllZero wrote:

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@smittyb wrote:

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@AllZero wrote:

The Definitive Amex 3X CLI Guide

---

 Thanks!.... How long do you think my scores bounce back from two new cards?

---

Not knowing your complete profile, around 6 months. For immediate score increase look into AZEO All Zero Except on card reporting a balance. Individual 28.9% or under. Aggregate 8.9% or under.

ETA Since you are on a derogatory score card, you do not receive new account penalty.

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https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ABCD2199-s-Eleven-Rules-to-Credit-Rebuilding...

[EverForward]

Congratulations on your approvals!

[Anonymous]

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Yes very true. Unless of course you're a dodo brain like me and forget to unlock your eperian upon applying. Then they pull TU lol

@AllZero wrote:

Congratulations on your approval! AmEx majority of the time pulls EX FICO 8.

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