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Amex BCE approved!! First post!

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New Member

Amex BCE approved!! First post!

Hello everyone!! First of all thanks to all of you for posting and sharing information!! This forum is great and very helpful!

 

Got approved for the AMEX BCE on last monday, SL : 4000. Here are my data points:

Experian score via Discover free fico: 767 (its a true fico right?)

Transunion Fico from my BOA mobil app: 759

Equifax idk but it should be the same as BOA because they both have the same inquiries (would that be correct?)

 

Utilization 1%

AAoA: 9 months via CK (i know their scores are not reliable, but their AAoA is? matches the same as wallethub)

Oldest account: 1 year 5 months is BOA cashrewards 321 opened August 2016. SL 1000, never CLI

Then CO quicksilver is 7 months old from may 2017 ( started as a platinum) SL was: 3000. then CLI by me to 3300, then credit steps to currently 3800.

Alliant SSL: 2 months old. opened oct 23. (it raised my scores around 17 - 20 points)

Inquiries:

 

Ex: 1  (7 months old)

EQ: 2  (7 mo old and the other 1y5m old)

TU: 2  (7 mo old and the other 1y5m old)

Im NY based.

Income 26000

No baddies

 

Still no HP alert on CK nor wallethub. First saw a message saying that the card would arrive in 3 - 5 business days, tthen i got an email today saying it will take 7 - 10 business days. 

APR: 17.XX %. SUB is 200 back after 1000. 

 

Ive been receiving letters and was prequal on their web page for this and the ED since last year, but since I did the SSL with alliant i wanted to wait till the scores and AAoA increased a little. Im also prequalified for the Discover it at apr of 19.99 % but it doesnt match my spendings.

 

Monday morning went to amex page and the offer was 150 so i did the prequal and the offer was still 150 and a set APR of 18.XX.

later in the afternoon went to the web page browsed the cards again and saw the 200 back after 1000 spent and "if u leave this page u might not get this offer". opened a tab in incognito and the prequal was still 150 SUB (i thought it would be also 200 back)

 

 I appd not using the prequal page because the SUB was less (every dollar counts for me lol) and noticed the APR was one point different (the APR i got is 17.xx% after the promotional 0%) just wanted to share this experience. If i can help at least one forum reader then im glad i posted this.

 

Though US born, i lived all my life in South America, (hence sorry for any writing errors) came here JAN 16 so literally no Credit history of any kind.

 

My only question, for the 3x CLI, before hitting the button at 61 days,  do i have to leave a balance on the BCE statement to report and then pay it? or should i pay my amex balance to 0 before the statement reports? Is there a difference?

( i read the 3x cli thread but didnt find an answer, or maybe i missed it Smiley Very Happy )

 

Sorry if my post is a little disorganized

Thanks to all

 

 

 

 

 

 

 

Message 1 of 11
10 REPLIES 10
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Established Contributor

Re: Amex BCE approved!! First post!

Congrats. Nice SL

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 2 of 11
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Community Leader
Super Contributor

Re: Amex BCE approved!! First post!

HI Friedegg, and welcome to the forums! Glad you decided to post!

Those are some great data points, and thank you for posting them! Congrats to you on the approval!!

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 3 of 11
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Valued Contributor

Re: Amex BCE approved!! First post!

Congrats. Thanks for the data points and welcome to the boards.


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 4 of 11
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Regular Contributor

Re: Amex BCE approved!! First post!

To get the 3X the most important thing is to show them you can handle credit. Keep your util low across the board. You're free to let the statement post with a balance or just PIF a few days before the statement rips. My preference would be for you to pay amost all of what you owe a few days before and then let a small amount show as a statement balance. This is just good advice overall (search the board for AZEO if you're not familiar). I think so long as you don't run up 4k at once and let it post as your statement balance, you'll be a shoe in for 12k in 61 days. Congrats, you're setting the foundation for a fantastic credit profile. 

Started on July 4th, 2016 with 400's FAKO scores, no FICO, a dozen baddies and no credit of any kind.

As of March 2018:
AmEx Blue Cash Everyday: $12,600
Chase Sapphire Preferred: $10,000
Bank Of America BankAmericard: $6,000
Capital One Quicksilver One: $5,500
Citi Diamond Preferred: $5,400
NFCU Cash Rewards Visa Signature: $5,100
NFCU Go Rewards MasterCard World: $5,000
Wells Fargo Propel: $3,500
Barclay's Uber Visa: $2,500
AmEx Starwood Preferred Guest: $2,000
Citi Double Cash: $1,500
AmEx Hilton Honors: $1,000
Discover It: $600
Capital One Platinum: $500

TOTAL CREDIT LINE: $61,200
Message 5 of 11
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Regular Contributor

Re: Amex BCE approved!! First post!

On a side note, I'd grab the Discover It and not look back. It's 5% on certain categories throughout the year (currently it's gas). And in the first year they'll match the total amount you earn in bonus money, making the first year savings on qualified items 10% (where I live gas is 3.00 a gallon So 30 cents off is pretty huge). You just won't beat that on a card with no AF. Not even close. 

 

 

Started on July 4th, 2016 with 400's FAKO scores, no FICO, a dozen baddies and no credit of any kind.

As of March 2018:
AmEx Blue Cash Everyday: $12,600
Chase Sapphire Preferred: $10,000
Bank Of America BankAmericard: $6,000
Capital One Quicksilver One: $5,500
Citi Diamond Preferred: $5,400
NFCU Cash Rewards Visa Signature: $5,100
NFCU Go Rewards MasterCard World: $5,000
Wells Fargo Propel: $3,500
Barclay's Uber Visa: $2,500
AmEx Starwood Preferred Guest: $2,000
Citi Double Cash: $1,500
AmEx Hilton Honors: $1,000
Discover It: $600
Capital One Platinum: $500

TOTAL CREDIT LINE: $61,200
Message 6 of 11
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Valued Contributor

Re: Amex BCE approved!! First post!

Congrats

Message 7 of 11
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Community Leader
Super Contributor

Re: Amex BCE approved!! First post!

Congratulations!

Message 8 of 11
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Community Leader
Mega Contributor

Re: Amex BCE approved!! First post!

Very nicely done. Looks like you know what you want , are willing to wait for it, and that means a well cared for profile. Lol, your post has so much data points, it puts most of us to shame Smiley Wink Ps, never would have guessed from SA, well writtenSmiley Happy
Message 9 of 11
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Established Member

Re: Amex BCE approved!! First post!

Congrats and welcome to the AmEx Family!
Message 10 of 11
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