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AMEX BCE Instant Approval $11,500/22.49%

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AMEX BCE Instant Approval $11,500/22.49%

I was moderately intoxicated and in a celebratory mood, so I threw caution, reason, and I think my cable remote to the wind and cold-apped for the American Express Blue Cash Everyday card. I blame myFICO society and @Birdman7.

 

Instantly approved with $11,500 credit limit, 22.49% APR. $200 bonus after $1000 in spend over the first 3 months.

 

I got a letter from AMEX last month for the BCE with $200 bonus offer, but I shredded it already so I used this publicly available AMEX link:

https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/

 

Still got the $200 bonus, but it may have had something to do with the uBlock Origin ad-blocker in Firefox. Not sure about that, but it definitely wasn't in 'incognito mode'.

 

  • The email confirmation did not arrive for about 2 hours after I applied online. I was kinda worried when I didn't see anything right away.
  • The instant approval page did not show me a credit limit or APR.
  • I had 2 cards at time of appproval and both were at 9% utilization. [Aggregate 9%, $1,214.99 of $13,500 TCL]
  • The APRs on those 2 cards are 15.75% and 16.74%. AMEX gave me 22.49%. Doesn't matter, never carrying a balance.
  • EX 8 735, TU 8 747, EQ 8 730
  • Zero scorable inquiries across the board, with 1 inq over 1yr on each bureau. (EX 0/1, TU 0/1, EQ 0/1)
  • AMEX pulled EX and shortly thereafter the free (Basic) Experian credit monitoring reported the inquiry along with an EX 8 score drop from 735 to 732, or -3pts.
  • AoOA 2yr 2mo
  • AAoA 1yr 6mo
  • AoYA 1yr 2mo
  • The following aging values are ones that may have some importance. Still gathering data for these. (R=Revolving)
  • AoORA 1yr 2mo
  • AAoRA 1yr 2mo
  • AoYRA 1yr 2mo (AoYA might really be AoYRA. Sure looks like it from recent testing by myself and @Birdman7.)

AMEX BCE approval.AMEX BCE approval.

 

And right after I closed the browser, I received this in email:

Too late, CK.Too late, CK.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Testing aggregate utilization greater than 8.99% but less than 9.00%. It's treated the same as 9.00%.

Message 1 of 46
45 REPLIES 45
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Established Contributor

Re: AMEX BCE Instant Approval $11,500/22.49%

Congrats!

My credit card journey started 3/2018



Summit Speed Card/Sync Car Care - $10000 CL
Discover It - $6500 CL - 5% rotating
AMEX BCP - $10500 SL - 6% groceries
BBVA Clear Points Rewards - $15300 SL - 3% utilities
PayPal Mastercard - $10000 CL - 2% General
PNC Cash Rewards - $5000 SL - 4% gas 3% restaurants
BB&T Spectrum Cash Rewards VS - $6500 SL - 3% gas
Cap 1 Quicksilver - $1500 SL(DW’s card) - 1.5%
Credit One Platinum - $1500 (DW’s starter card) - 1%
AMEX Cash Magnet - $2000 SL - 5% general (6 mos)

Total CL - $68800

Cash Back and SUBs earned as of 1/4/20 - $2088.36

In the garden lettin’ ‘em grow!

CU Memberships


FICO 8 Scores as of 1/13/20
739 Experian, 743 TransUnion, 748 Equifax

Goal cards:
Message 2 of 46
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Regular Contributor

Re: AMEX BCE Instant Approval $11,500/22.49%

Ha! I've never seen them hold back $1500 from an $11500 limit! God forbid you go haywire with that extra $1500, lol.  Oh and Congratulations!


Dec 19

Message 3 of 46
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Senior Contributor

Re: AMEX BCE Instant Approval $11,500/22.49%

Congratulations on your approval! Was wondering when you would go and apply. Put your good score to use. Maybe a couple more apps on EQ and TU?

Message 4 of 46
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Re: AMEX BCE Instant Approval $11,500/22.49%


@NimbusIII wrote:

Ha! I've never seen them hold back $1500 from an $11500 limit! God forbid you go haywire with that extra $1500, lol.  Oh and Congratulations!


Thank you!

 

$11,500 matches my highest limit on a Citi Costco Visa card. My total revolving credit history is 1yr 2mos, with 2 cards at the same age.

 

Maybe it's short revolving history, or maybe it's because both cards are reporting a balance at 9%.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Testing aggregate utilization greater than 8.99% but less than 9.00%. It's treated the same as 9.00%.

Message 5 of 46
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Established Contributor

Re: AMEX BCE Instant Approval $11,500/22.49%


@AllZero wrote:

Congratulations on your approval! Was wondering when you would go and apply. Put your good score to use. Maybe a couple more apps on EQ and TU?


Thanks!

 

If I 100% knew that Discover would pull my TU 8 score, I'd do it right now. lol

 

 

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Testing aggregate utilization greater than 8.99% but less than 9.00%. It's treated the same as 9.00%.

Message 6 of 46
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Super Contributor

Re: AMEX BCE Instant Approval $11,500/22.49%

I knew you were gonna cave soon! Congrats!



01/2019:
02/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 7 of 46
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Super Contributor

Re: AMEX BCE Instant Approval $11,500/22.49%

"I was moderately intoxicated and in a celebratory mood, so I threw caution, reason, and I think my cable remote to the wind"

champagne gif.gifCongratulations @CassieCard  fiesta.gif

Message 8 of 46
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Senior Contributor

Re: AMEX BCE Instant Approval $11,500/22.49%


@CassieCard wrote:

@NimbusIII wrote:

Ha! I've never seen them hold back $1500 from an $11500 limit! God forbid you go haywire with that extra $1500, lol.  Oh and Congratulations!


Thank you!

 

$11,500 matches my highest limit on a Citi Costco Visa card. My total revolving credit history is 1yr 2mos, with 2 cards at the same age.

 

Maybe it's short revolving history, or maybe it's because both cards are reporting a balance at 9%.


Mark your calendar The Definitive Amex 3X CLI Guide

Message 9 of 46
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Senior Contributor

Re: AMEX BCE Instant Approval $11,500/22.49%


@CassieCard wrote:

@AllZero wrote:

Congratulations on your approval! Was wondering when you would go and apply. Put your good score to use. Maybe a couple more apps on EQ and TU?


Thanks!

 

If I 100% knew that Discover would pull my TU 8 score, I'd do it right now. lol


Join and apply with some CUs. BECU soft pull for membership, TU8 Hard Pull for CC products. PenFed EQ hardpull for membership and CC products.

Message 10 of 46
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