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Hi guys! I've been reading here since May and your advice has helped me improve my credit tremendously so thank you!
I have an Amex ED that I got at the end of June but I really wanted the BCE (I was preapproved for it, the BCP and ED before getting the ED) but I wasn't getting the good offer I wanted so I didn't apply for it until tonight. I cleared my browser's cookies and Amex showed me offers I've not seen before like $250 after you spend $1,000 in purchases in your first 3 months so I went for it! I was instantly approved for $1,000 not great but I got the card and offer I wanted, and 0% APR for 12-months so I'm happy.
My FICO 08 is 661, income $108k and 6 inquiries on EX. My utility is 6% and all my baddies are about 4-years old.
Congrats. I'm jealous. I really wanted this card when I got my approvals back a few days ago. Hopefully it'll be my turn in a couple of months when I get my UTI down a bit more!!
Congrats! Loving my BCE, and the looks it gets are priceless! Enjoy.
AmEx FICO 8: EX [714] | Discover Scorecard FICO: EX [719]
Thanks guys! I can't wait for it to arrive.
@AverageJoesCredit wrote:
Congrats on a great offer Should buy lots of shoes for ya
Thanks AJC! This made me laugh so hard!! Definitely getting new shoes on an Amex-approved department store
@Anonymous wrote:Congrats. I'm jealous. I really wanted this card when I got my approvals back a few days ago. Hopefully it'll be my turn in a couple of months when I get my UTI down a bit more!!
Thanks! I was denied when my utility was 33% and score over 671. They countered me with credit steps and no offer for BCE and showed me the same for ED. I took it but for the ED. I waited a month or so until the BCE showed me a good offer. Definitely, wait until your utility is under 9% to get the good bonus.
Congrats. I got the same card and offer a few weeks back. They kept trying to give me the 150 offer but finally got the bigger one. 3 percent on groceries is good as well.