AMEX BCE Instant Approval $11,500/22.49%

[Meanmchine]

That was one fun post to read

Congrats on getting in with Amex

[Meanmchine]

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@AllZero wrote:

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@Anonymous wrote:

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@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?

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Thanks!

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

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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.

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@AllZero 

Hasnt BECU fallen out of favor recently?  Admittedly, I dont keep up on FCUs.

[AllZero]

@Meanmchine.  No. BECU still going strong. Great CU to be a member of. Not inquiry sensitive. Nice APY on checking and savings up to $500 per account.

[TekkenQQ7]

This's your temporary Congratulations, till you get your card.

[Meanmchine]

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@AllZero wrote:

@Meanmchine.  No. BECU still going strong. Great CU to be a member of. Not inquiry sensitive. Nice APY on checking and savings up to $500 per account.

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BECU also pulls ChexSystems.  Quite a few people have been turned down for checking / savings accounts based on Chex so make sure your report has no issues

Edited to add link

https://ficoforums.myfico.com/t5/Personal-Finance/Denied-BECU-Checking-Savings/td-p/5859225

[Meanmchine]

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@TekkenQQ7 wrote:

This's your temporary Congratulations, till you get your card.

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@TekkenQQ7 

Temporary kudo given until you give your final congrats when he gets his card

[AllZero]

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@Meanmchine wrote:

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@AllZero wrote:

@Meanmchine.  No. BECU still going strong. Great CU to be a member of. Not inquiry sensitive. Nice APY on checking and savings up to $500 per account.

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BECU also pulls ChexSystems.  Quite a few people have been turned down for checking / savings accounts based on Chex so make sure your report has no issues

Edited to add link

https://ficoforums.myfico.com/t5/Personal-Finance/Denied-BECU-Checking-Savings/td-p/5859225

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That is true. They can be ChexSystems sensitive. In your case, seeing that shiny emerald spade, I don't think you have to worry unless you've opened a lot of checking accounts in the last ~90 days.

[Anonymous]

I just got another AMEX BCE $200 sign-up offer in the mail today. Funny how that happens.

And I got the myFICO alerts today to the 2 new inquiries from a day and a half ago. lol

That free (Basic) Experian membership beats FICO Premier ($39.95 monthly) for speed of inquiry alerts!

I have to go water my new little seedling plant now.

[AllZero]

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@Anonymous wrote:

I just got another AMEX BCE $200 sign-up offer in the mail today. Funny how that happens.

And I got the myFICO alerts today to the 2 new inquiries from a day and a half ago. lol

That free (Basic) Experian membership beats FICO Premier ($39.95 monthly) for speed of inquiry alerts!

I have to go water my new little seedling plant now.

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Congratulations on another offer! AmEx wanted to make sure you would apply by bombarding you with the mailers.

[Meanmchine]

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@Anonymous wrote:

I just got another AMEX BCE $200 sign-up offer in the mail today. Funny how that happens.

And I got the myFICO alerts today to the 2 new inquiries from a day and a half ago. lol

That free (Basic) Experian membership beats FICO Premier ($39.95 monthly) for speed of inquiry alerts!

I have to go water my new little seedling plant now.

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It really gets to be funny when you respond to an offer and get declined and they still continue to send you preapproved mail