Re: AMEX BCE approval with thin file!!!

CreditRookie22 · ‎04-03-2014

Cool. I plan on app for bce next month. My file is similar to yours. I have 2 cc which were opened on August and November of 2013.

-Wade- · ‎04-03-2014

@ElDoctor wrote:
Hi guys,

I've had two secured credit cards (WF and Cap1) for 6 months, with CLs of $300 and $551 respectively.
Today I applied for the BCE and guess what? Instantaneous online approval! The documents say $4000 credit limit!!!

Just wanted to share my happiness with you and ask a question:

I added an additional card for my wife. Do both cards generate cash back? or only the one of the principal user?

Thanks!

R

Congrats on your approval WTG

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

alvon123 · ‎04-04-2014

Nice!!!

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

coldnmn · ‎04-04-2014

Congrats! Welcome to the forum and thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

striehl8212 · ‎04-04-2014

Congrats!! Nice starting limit too!!

March 2014: EX 693 I EQ 672 I TU 694
September 2014: EX 721 I EQ 741 I TU 742

MsLadyRover · ‎04-04-2014

Awesome approval! Congratulations!!

Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)
Take the FICO Fitness Challenge

kchengg1 · ‎04-05-2014

Congrats on the huge win!!

If you don't mind me asking, do you have a particularly large annual income?

ElDoctor · ‎04-05-2014

@kchengg1 wrote:
Congrats on the huge win!!

If you don't mind me asking, do you have a particularly large annual income?

Thanks!! Joint income with my wife: 90k

Amex BCE - $30,000
Chase Sapphire Preferred - $12,000
Chase Freedom - $1,000

Anonymous · ‎04-30-2014

Hi

I'm in a very similar situation.

I have "Thin Credit File" I'm coming upto 6 months of history with ONLY a Cap One Secured Card $200

which I started with and then 2 months later added the Cap One Platinum Classic $1000

These two are my only major credit cards

I also got three store cards via the shopping cart trick.

Ann Taylor, Express and Victoria Secret

I would like to apply for AMEX BCE Just wondered if I also have a chance of getting approved?

Anonymous · ‎04-30-2014

Congrats.

AMEX BCE approval with thin file!!!

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