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AMEX BCP Approved!

Brizzledrawnout
Established Member

AMEX BCP Approved!

I have been waiting to pull the trigger to apply for an American Express card for the past six months. I have been going on their website every month (as my credit score got higher and higher) to see about pre-qualified offers. It started by not recommending me any options in August with a 620 average. Around October, it started recommending most of their annual fee cards (649 average). At the time, I did not think that I wanted to spend money on an annual basis to have a credit card in my wallet; but recently I messed with their simulation about how much I would spend on groceries (6% cash back) and gas (3% cash back) and compared it to the regular Blue Cash and figured that I would pay for the annual fee and more if I went for the BCP. 

 

Back to the point where I was checking for offers, I went on AMEX's website this past week and saw that I was pre-qualified for their Gold Card. I knew that I didn't want the Gold Card at this point (even when the rose gold option was there), but the fact that I was not pre-qualified before gave me confidence to pull the trigger for the BCP card. Out of all the cards I have been approved for (Discover student, Scott Credit Union) I feel that AMEX wanted minimal information which made me feel even more confident when hitting the Submit button on their application page. 

 

Low and behold, within 15 seconds they forwarded me over to the approval screen which let me know about my SL of $1,000. It is a pretty low SL in my opinion (especially when my SCU card is at $3,000 and Discover is at $1,500), but I am happy that I got my foot in the door with AMEX. Below I will let you know of my factors (including my annual income and credit scores) in case you are interested in applying. I am excited about the $200 statement credit after $1,000 in purchases and the amazing cash back in categories I use quite often. Cheers!

 

Factors:

Income - $30,000

AAoA - 8 months

Averaged Credit Score - 649

Credit Util. - 68% (I pay out of pocket for community college)

 

 


Message 1 of 7
6 REPLIES 6
Cred4All
Valued Contributor

Re: AMEX BCP Approved!

Congrats on the new Amex card!!!  Everyone will confirm that after 61 days you can request a 3x CLI and hopefully grow that over time.


Message 2 of 7
Priory_Man
Established Contributor

Re: AMEX BCP Approved!

Congrats on the approval and getting the card you wanted. Give Amex time and it will grow with you.





~~ Former Royal Navy Submariner - Proud to have served ~~
Message 3 of 7
BrandonLane
Established Contributor

Re: AMEX BCP Approved!

Congratu - freaking - lations on your approval OP!! Your FICO score is a 649 with AA0A at 8 months AND 68% utilization!?! IF so WOW that is impressive. 2nd approval in 2 days that I've seen that is really, really impressive given the credentials. Yesterday was the Chase Slate but if your stats are legit FICO this by far takes the cake! 

 

Awesome work either way! Smiley Happy

Started 6/6/2018 EX - 588 ; EQ - 667 ; TU 575

Updated 12/2018


Message 4 of 7
VoltronM
Senior Contributor

Re: AMEX BCP Approved!

Congrats on your approval and Welcome to Amex family  !!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 5 of 7
Bruuzu
New Contributor

Re: AMEX BCP Approved!

Congratulations!



Message 6 of 7
19eighty5
Senior Contributor

Re: AMEX BCP Approved!

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 7 of 7
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