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AMEX BCP APPROVED - $14k SL

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New Contributor

AMEX BCP APPROVED - $14k SL

was feeling a bit bored - bad, I know ... was contemplating a CLI increase on my NFCU GO Rewards (been 180+ since last CLI, 22K limit on existing card, and 18L on Cash Rewards, and 15K CLOC so probably at my NFCU limit anyway), but decided to app for a 2nd Amex - instant approval on BCP for 14K - currently have a 28K limit on my BCE - EX FICO 8 of 771 (overall util of 4%) - $200 credit back for 1K spend in 3 months - will just put my groceries on the card, and collect the  200 - will try to get to 28K on this 2nd Amex at Day 61

 

Message 1 of 10
9 REPLIES 9
Valued Contributor

Re: AMEX BCP APPROVED - $14k SL


@BIGSTARXXX wrote:

was feeling a bit bored - bad, I know ... was contemplating a CLI increase on my NFCU GO Rewards (been 180+ since last CLI, 22K limit on existing card, and 18L on Cash Rewards, and 15K CLOC so probably at my NFCU limit anyway), but decided to app for a 2nd Amex - instant approval on BCP for 14K - currently have a 28K limit on my BCE - EX FICO 8 of 771 (overall util of 4%) - $200 credit back for 1K spend in 3 months - will just put my groceries on the card, and collect the  200 - will try to get to 28K on this 2nd Amex at Day 61

 


Congrats Smiley Happy

Message 2 of 10
Regular Contributor

Re: AMEX BCP APPROVED - $14k SL

NICE!

 

I like the sounds of that $1k grocery strategy and the $200 bucks reward... is that correct??

 

Just had my first 2 weeks of my BCE.. ran it up under 20% UTL and paid it to zero before statment.. using a higher limit card for my AZEO. But after 3xCLI I can switch to BCE which will surpass my highest CL card (BBV).

 


Merrick Bank Visa $1500 | Citi BestBuy Visa $5300 | Chase Freedom $500 | Amex BCE $2000

FICO8:  EQ 12/17: 721  |  1/18: 706   || .  TU 12/17: 742  |  1/18: 744 .  ||   EX 12/17: 736  |   1/18: 720


Amex Plat | Amex EDP $24,000 | Citi BestBuy Visa $11,000 | Chase Freedom $7500 | Discover IT $7500 | Amex BCE $5,000 | Merrick Bank Visa $2000 | Alliant SSL
Starting Score: Fico 8: EQ 721 TU 742 EX 736
Current Score: Fico 8: EQ 746 TU 764 EX 756
Goal Score: Fico 8: EQ 750+ TU 760 EX 750+


Take the myFICO Fitness Challenge
Message 3 of 10
Community Leader
Mega Contributor

Re: AMEX BCP APPROVED - $14k SL

Big limits for big starsSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 4 of 10
New Contributor

Re: AMEX BCP APPROVED - $14k SL

That is awesome! Congrats.
Current Scores Fico 8 - 11/18 EQ 659 TU 684 EX 660
NFCU CLOC $15,000 | NFCU More Rewards AMEX $15,000 | NFCU Cash Rewards $5000 | Discover It $1250 | Capital One QuickSilver $500 | Walmart $400 | Wayfair $700 | Williams Sonoma $500 | Capital One Secured $200

Business Credit: Office Depot Business $1000 | Uline $500 | Quill $250
Message 5 of 10
Valued Contributor

Re: AMEX BCP APPROVED - $14k SL

Very nice starting line!



Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 6 of 10
Established Contributor

Re: AMEX BCP APPROVED - $14k SL

AWESOME 

Message 7 of 10
Regular Contributor

Re: AMEX BCP APPROVED - $14k SL

Wow! I was stoked about my $1K Delta Gold. But nice SL. 😃
Message 8 of 10
Established Contributor

Re: AMEX BCP APPROVED - $14k SL

Smiley Happy C O N G R A T U L A T I O N S. Was there a reason you didn't upgrade to the BCP?
OpenSky®VSA: $375 | First ProgressMC: $404 | CapOneMC: $605 | CapOneQSMC: $2350 | Cabela'sVSA: $4000 | Barclaycard® RewardsMC: $20000 | BlazeMC: $2000 | First SavingsMC: $1500 | LegacyVSA:$1750 | AMEX BCP®: $9000 | AMEX Hilton Honors™: $6000 l Discover: $5300 | Chase Freedom: $4800 | Chase SLATE: $3800 | CSP®: $7000 | United MileagePlus®: $7000 | Amazon RewardsVSA: $4800 | Old Navy: $4500 | Gap: $4500 | Banana Republic: $4500 | Walmart: $10000 | SamsClub:$10000 | AEO®VSA: $8000 | TJX MC: $6000 | Amazon: $4000 | Belk: $5000 | Macy's: $20000 | J.Crew: $3000 | Overstock: $6200 | SMG VSA: $3800 | Abercrombie: $2100 | Express: $2900 | Buckle: $2500 | Kay: $6750 | PayPal: $3520 | Citi® / AAdvantage® Platinum: $16000 ***FICO08 as of: Dec 19th 2017-EX: 731 | EQ: 727 | TU: 756***



Message 9 of 10
Super Contributor

Re: AMEX BCP APPROVED - $14k SL


@BIGSTARXXX wrote:

will try to get to 28K on this 2nd Amex at Day 61

 


You can go higher than $28k.  With your first CLI, they'd probably let you get $34,500 without IV.

 

Plenty of people with $10k SLs went to $30k with their first 3XCLI at Day 61+, myself included.  That being said, with your $14k SL you can easily match that and likely exceed it.  I wouldn't suggest going for $42k, but anything sub $35k should result in an instant approval.

Message 10 of 10
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