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Amex BCE, Citi Double Cash - Data Points

NothingNew
Contributor

Amex BCE, Citi Double Cash - Data Points

I closed on my house today and wanted a 0% intro APR card for the purchase of new fencing. It's my one "splurge" item for the house that I was willing to finance, as the rest of the renovations I had cash set aside for. I had a pre-approval for the BCE with 15 months 0% APR intro rate and $250 SUB. Instant approval for $8K which is my highest non-store credit card limit (next highest is Disco at $2.7K but only reporting as $2K as the CLI was recent). I also have a retail card (CareCredit) with a $12K limit, but I'm not sure if they take that into account for SL matching/chasing. This is my first Amex.

They pulled EXP at I believe 712 FICO 8. $42K income. Current utilization at 6% of $19K in lines. 

 

I also apped the Citi  DC. It doesn't have a SUB or 0% APR period, but it was a card I wanted soon for general cash back spend and I figured I should get in on it before the mortgage and other new card report. Instant approval for $2K and it also pulled EXP. This is my first card with Citi

Message 1 of 12
11 REPLIES 11
CreditContractor
Established Contributor

Re: Amex BCE, Citi Double Cash - Date Points

Congrats!  Don't buy a vinyl fence!  They don't last long.  If you have a hail storm you may have to replace every single piece because the hail will knock holes in the vinyl.

Message 2 of 12
JAG73
Moderator

Re: Amex BCE, Citi Double Cash - Date Points

Congrats in the house and both approvals! 

Got some pruning to do... No more new cards!
Message 3 of 12
NothingNew
Contributor

Re: Amex BCE, Citi Double Cash - Date Points

 


@CreditContractor wrote:

Congrats!  Don't buy a vinyl fence!  They don't last long.  If you have a hail storm you may have to replace every single piece because the hail will knock holes in the vinyl.


I actually live in Florida, so there is little fear of a hail storm! Hah. A high quality vinyl fence here will easily outlast a wood fence, even with the sun and potential hurricanes. But I do appreciate you looking out! 

Message 4 of 12
VoltronM
Senior Contributor

Re: Amex BCE, Citi Double Cash - Date Points

Congrats on both approval and nice SL's !!!!!

also congrats on your new house

 

 

 

 

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 12
MartyWrite75
Established Contributor

Re: Amex BCE, Citi Double Cash - Data Points

Congratulations on your approvals!  Nice!

April 2021: Experian 710 Equifax 701 Transunion 707


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS1: $2,600 || Discover It: $3,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $1,000 || Amazon Prime Store Card: $5,000 || Overstock Store Card: $6,050 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $2,000

Wishlist Cards:
Citi Double Cash || Paypal Mastercard || Cap One Savor

Gardening from 03/18/2021 to 04/18/2023 (ideally)
Total Utilization: 13%
Message 6 of 12
Steve891
Senior Contributor

Re: Amex BCE, Citi Double Cash - Data Points

Congrats on your Amex BCE and Citi DC approvals! Smiley Very Happy




Message 7 of 12
19eighty5
Senior Contributor

Re: Amex BCE, Citi Double Cash - Data Points

Congratulations on your approvals!

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 8 of 12
pinkandgrey
Community Leader
Senior Contributor

Re: Amex BCE, Citi Double Cash - Date Points

Congrats on the great approval and more importantly your new home! That’s awesome, so exciting! I’m excited for you lol

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Fidelity Visa: 2k
Apple Card: 1.5k
Message 9 of 12
clark_d_shark
Established Contributor

Re: Amex BCE, Citi Double Cash - Data Points

Congratulations on the new house and both of your CC approvals!

Fico Scores as of March 2020 TU (739) EX (748) EQ (776)



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