cancel
Showing results for 
Search instead for 
Did you mean: 

AMEX BCE Instant Approval $11,500/22.49%

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
Senior Contributor

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

@CassieCard 

That's a great sl and very surprised but happy see that you pulled the trigger.  You landed a nice one.  Thanks for all the DP's...can't wait to read @Birdman7  reaction.

 

"MY TAKE HOME PAY DON'T TAKE ME HOME"
App'oholics Anonymous
Message 11 of 65
Highlighted
Super Contributor

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

UMB pulls TU. Their Simply Rewards card is somewhat coveted because they give 3% on groceries including discounts stores like Walmart and Target, 3% on dining (both restaurants and fast food), 3% on gas. 


If you would think you would ever want that card, get it before you get a bunch more because they only like to extend new credit to people who don't have a ton of other cards. Same goes for cards like SDFCU cash back (EX2) and First Tech Odyssey (I don't remember who they pull) - there are a lot of doors that get closed when you have more than 4 or 5 cards or pass your annual income in card limits, whichever comes first. 



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 12 of 65
Highlighted
Senior Contributor

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

 

fiesta.gif

@M_Smart007 Lol! that lil' sucker right there deserves 10 extra kudos. @CassieCard you know what they say, scared money don't win-and you must have been feeling 10 feet tall and bullet proof. Hope the remote survived, if not, you got this....11.5k times.

"MY TAKE HOME PAY DON'T TAKE ME HOME"
App'oholics Anonymous
Message 13 of 65
Highlighted
Valued Contributor

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

Congrats Cassie - nice SL too!!

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 03/2020: EX 780 ✦ EQ 758 ✦ TU 781
Current FICO 9s | 03/2020: EX 793 ✦ EQ 780 ✦ TU 778
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2020 Goal Score | 790s


My AAoA: 3.0 years not incl. AU / 3.3 years incl. AU
My AoOA: 7.1 years not incl. AU / 9.1 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 3/12 ✦ TU 1/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 14 of 65
Highlighted
Established Contributor

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

kcards.jpg

Message 15 of 65
Highlighted
Super Contributor

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


@CassieCard wrote:

kcards.jpg


lolz. You're on a credit forum. We seek credit. Only time we garden is to improve our credit report so we can seek more credit.

Message 16 of 65
Highlighted
Established Contributor

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


@AllZero wrote:


lolz. You're on a credit forum. We seek credit. Only time we garden is to improve our credit report so we can seek more credit.


lol Sounds funny when you put it that way.

 

Thanks for the tips! You too, @Saeren! Have to really think about the next move.

Message 17 of 65
Highlighted
Valued Contributor

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

Congratulations on your AMEX approval!

March 2020
Experian Fico 8. 686
Transunion Fico 8. 697
Equifax Fico 8. 714

Capital one QS. $600
Credit one. $300. (Soon to close )
Capital one QS1. $2250
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $12,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

All cards opened between Oct 2018. - March 2020

Message 18 of 65
Highlighted
Senior Contributor

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

Congratulations @CassieCard !!!!!!!!! 😁 Listen, go ahead and take another drink and think about Discover! Remember building a thick buffer in the beginning makes for a strong counter balance later on😝.

Plus then you’ll be ready to see if the threshold is between five and six for the thick/thin when you get your loan!

For real, when it reports, you’re going to suffer the new account penalties: AAoA and scorecard reassignment to the new accounts scorecard. I look forward to your DPs on what you lose upon reassignment. And then to see the comparative award 12 months later. That’s another good reason for that Discover, to keep all the data points together so you can keep it clean.

If you wait to get more cards, it simply weakens your AAOA. Better to get them now and let them age.

With all that said, you did great!!! I’m glad you got that limit increase on the Costco because they matched it. And in 90 days if you get a 3X increase from Amex that will be awesome!!

Proud of you and glad you finally decided to join the Amex family. That’s my favorite card from them personally. Think about that Discover before AmEx hits. Congratulations again!

BTW, did you try to find the $250 incognito sub? Or did they stop doing that?













(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated March 2020.

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? (clean/dirty), Number of accounts open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AoYR-Age of Youngest Revolver (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new accounts, with open loan on record.
If you don't know where you fall, just list whether you have any baddies, your number of open and closed accounts, AoOA, AoYR and whether you have a loan on record.
For utilization questions, list individual and aggregate utilizations, revolving and installment. please.
Message 19 of 65
Highlighted
Senior Contributor

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

Go CassieCard!!!!













(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated March 2020.

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? (clean/dirty), Number of accounts open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AoYR-Age of Youngest Revolver (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new accounts, with open loan on record.
If you don't know where you fall, just list whether you have any baddies, your number of open and closed accounts, AoOA, AoYR and whether you have a loan on record.
For utilization questions, list individual and aggregate utilizations, revolving and installment. please.
Message 20 of 65
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.