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AMEX BCE Starting Limit.. is this a mistake?

swing_shot
Member

AMEX BCE Starting Limit.. is this a mistake?

I just applied for BCE with a 712 score and a perfect payment history, 0% utilization, and very 5 other active accounts.

 

I was approved for 20k, which is 66% of my income. Is this a mistake? This seems insane. Did I add another 0 when I entered my income or something by accident? If I did, will there be any repercussions? First AMEX card ever

Message 1 of 18
17 REPLIES 17
pinkandgrey
Community Leader
Senior Contributor

Re: AMEX BCE Starting Limit.. is this a mistake?

Nope, no mistake. Amex just liked your profile. Congrats!!!

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Fidelity Visa: 2k
Apple Card: 1.5k
Message 2 of 18
jaxstraw
Valued Contributor

Re: AMEX BCE Starting Limit.. is this a mistake?

Go with it !!!
Sometimes you get lucky.
Jax

*************************************************************************************
Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 3 of 18
FicoGuy2019
Frequent Contributor

Re: AMEX BCE Starting Limit.. is this a mistake?

Nice!  Amex has been very friendly lately! 

Message 4 of 18
simplynoir
Community Leader
Super Contributor

Re: AMEX BCE Starting Limit.. is this a mistake?

No mistake. Some people have been able to surpass their income in CLs with AMEX. No real rhyme or reason why but they usually don't take the limits back either.

Message 5 of 18
AverageJoesCredit
Mega Contributor

Re: AMEX BCE Starting Limit.. is this a mistake?

Yes it was a mistake! It was meant for for meSmiley Wink CongratsSmiley Happy
Message 6 of 18
creditslug
New Contributor

Re: AMEX BCE Starting Limit.. is this a mistake?

Sounds like you got lucky! Enjoy it, I'd be ecstatic to have a card with that limit.




Message 7 of 18
swing_shot
Member

Re: AMEX BCE Starting Limit.. is this a mistake?

Thank you, everyone Smiley Happy

 

When the card comes I'm going to triple check to make sure I entered my income right on my profile hahaha. I went over it several times before I hit submit and I don't remember adding an extra 0. 

 

Should I not even bother the 3x increase after 61 days? lmao

Message 8 of 18
Cred4All
Valued Contributor

Re: AMEX BCE Starting Limit.. is this a mistake?

Welcome, and congrats on a stellar SL!


Message 9 of 18
calyx
Super Contributor

Re: AMEX BCE Starting Limit.. is this a mistake?

Nice SL!  Congrats on the approval!


@swing_shot wrote:

Thank you, everyone Smiley Happy

 

When the card comes I'm going to triple check to make sure I entered my income right on my profile hahaha. I went over it several times before I hit submit and I don't remember adding an extra 0. 

 

Should I not even bother the 3x increase after 61 days? lmao


AMEX has been known to request documentation/4506-T if you request more than $25k.  Which is not to say they wouldn't grant it, you just might want to be prepared if you want to go higher Smiley Happy

F8 EQ: 804 | EX: 785 | TU: 790 | Accounts: 2/6 3/12 7/24
Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 10 of 18
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