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AMEX said YES!

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M_Smart007
Legendary Contributor

Re: AMEX said YES!

Congrats on your Amex BCE approval.

Message 21 of 27
Titans84
Valued Contributor

Re: AMEX said YES!

Congrats on the AMEX BCE approval!

Current FICO 8:



Message 22 of 27
Mr_Mojo_Risin
Senior Contributor

Re: AMEX said YES!

That's some cool news!

Congratulations on your new AMEX card, enjoy it.

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 23 of 27
SPChaser
Established Contributor

Re: AMEX said YES!

Congrats on Amex approval! 

“Play the game, but don't believe in it“
Message 24 of 27
Shaed251
Regular Contributor

Re: AMEX said YES!

That's amazing!  Congrats!! I actually got the opposite. I did the pre-qual for Discover and was approved for $7k CL. I tried to prequal for AMEX and they didn't have any offers. Here is a Snapshot of my credit profile:

 

706-EX, 715, TU, 688 EQ (which should update to over 700 once they correct my file).

Cards:

Merrick Bank $2k CL-0 Bal

Discover $7k CL- $2309 Bal

Credit One- $2350 CL- 0 Bal 

Care Credit- $600 CL- 0 Bal

BBVA Compass-$1500 CL-0 Bal

NY&CO Retail Card -$850 CL- 0 Bal

Inquires: 6 TU, 4 EX, 2 EQ

AAOA- 4yrs 6mo

No collections, No late payments, Chapter 7 Bankruptcy (Jan 2012), will be falling off in Jan 2022. 

Income: $45k/yr

I know I don't make a lot of money, but I do not understand why I do not have offers. I have decent credit and my DTI is only 3% Utilization is 6%. I'm so confused!! 

Credit Profile: Navy Federal Platinum $7.1 (9/23) Amex Blue $4k (12/22) Discover It Chrome $10.5k (7/21) | All In FCU Platinum Rewards $8k (8/21) \ Care Credit $12k (6/19) | Macy $14k(10/21) | Chase Freedom Unlimited $4.5k (10/21) | Amazon Prime Visa Sig $3k (3/22) | Rooms 2 Go $25k (1/22) | BoA $8.8k (8/22), Amex HH $25k (12/22), WF Reflect $10k (12/22). Auto Loan: All In FCU $41k (5/23) | ALL In FCU Loan $12k(2/23) | Sock Drawer: Credit One $2350, Amazon Prime VS/NY&Co $2350 (12/22) >IN THE GARDEN UNTIL 2024-2025 >Goal: Citi Double Cash
;FICO Profile:
EX: Fico 8: 775 INQ: 9/24,
EQ: Fico 8: 762 INQ:6/24,
TU: Fico 8: 739 INQ: 8/24,
GOAL: 750-780: By the End of the Year!!
Message 25 of 27
blazerein
Established Contributor

Re: AMEX said YES!

Congrats and welcome to Amex Fam

AAoA 6yrs 3mos | Inquries: TU5/EQ5/EX8 | Utilization: 9% | Mortgage: 1 | Auto Loan: 2 | Personal Loan: 2 | Derogatory: 0

> >CREDIT UNION


EX- 585, TU- 583, EQ- 563 | CURRENT SCORE UPDATED: 2/2023 -> FICO 8 EX 754 TU 741 EQ 755 | FICO 9 EX 747 EQ 763 TU 756
Message 26 of 27
ChargedUp
Senior Contributor

Re: AMEX said YES!

Congrats on the BCE. My BCP started as a BCE at $1K and grew to $24K, but it took some time... (Like 2+ years with a clean but thin profile)

 

To be honest, you're probably not going to see much CL movement with the baddies showing, but as they age and become less significant, Amex should start showing you some luv! The good part is that CLI's are typically SP. (I've only seen 1 or 2 posts on here where Amex actually attempted a HP for a CLI.)

Message 27 of 27
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