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Amex BCE approved on modified terms

Alleycat2003
Valued Member

Amex BCE approved on modified terms

Hi All,

Here's something interesting. I apped last night for the BCE and initially it was denied, however the denial letter stated they could not offer me the into apr, or welcome bonus. However they could offer me the BCE with a $500 credit limit and everything else would be the same. They said if I was interested to contact them at a phone number. I called this morning and spoke to a rep and he said about 60 days ago they. (Amex) started a new program to let people in on certain modified terms. I was like "yes, I'll accept the card on modified terms" and so I was approved!! I'm now in with Amex.. Never been with them before!! So excited!!
Current scores: 611 EQ/ 629 TU/ 631 EXP
Message 1 of 16
15 REPLIES 15
JAG73
Moderator

Re: Amex BCE approved on modified terms

Congrats! 

Thx for sharing that great info! 

Got some pruning to do... No more new cards!
Message 2 of 16
mco7816
Frequent Contributor

Re: Amex BCE approved on modified terms


@Alleycat2003 wrote:
Hi All,

Here's something interesting. I apped last night for the BCE and initially it was denied, however the denial letter stated they could not offer me the into apr, or welcome bonus. However they could offer me the BCE with a $500 credit limit and everything else would be the same. They said if I was interested to contact them at a phone number. I called this morning and spoke to a rep and he said about 60 days ago they. (Amex) started a new program to let people in on certain modified terms. I was like "yes, I'll accept the card on modified terms" and so I was approved!! I'm now in with Amex.. Never been with them before!! So excited!!

Congratulations! I have exact same thing happened to me! However it was all on their website, the pop up window showed up and said that I have modified offer. I accepted it... I had the same EX as yours... if you get your EX to 650 try to apply for BCP and you'll get it too with $5,000 CL Smiley Happy I mean maybe, but that's what happened to me. So now I have BCE with $500 SL and $5000 with BCP. 

FICO 8: 1/1/16 / 12/30/2016 [EQ: 518/681] [TU:522/714] [EX: 535/689] TCL: $108K INQ: 138 between the 3 NO MO CARD FOR ME

Message 3 of 16
wayfico
Regular Contributor

Re: Amex BCE approved on modified terms

discover did that for me. prequaled me for the usual offer and countered with regular apr etc. i took it. not going to waste a hard inquiry lol. i treat my credit card like debit cards anyway. charge and pay in full each month.


Gardening until 08/2017!
Message 4 of 16
GDanzy
Valued Contributor

Re: Amex BCE approved on modified terms

Hmmmmm.. now that is interesting. I've never seen that before. 

Message 5 of 16
BellaLina
Established Contributor

Re: Amex BCE approved on modified terms

Thats pretty awesome - Congratulations ! 

 

PS

I dont see the prequal on Amex site anymore... 

Does anyone know where it is located now... 

 photo AllCC.jpg11/22 FICO8: EX/697 TU/721 EQ/700 ~ Tip Toeing thru the Tulips in my Garden since 6/21
Message 6 of 16
JAG73
Moderator

Re: Amex BCE approved on modified terms

I had to google it.....no offers. Which is good bc I'm in the garden lol😂

Got some pruning to do... No more new cards!
Message 7 of 16
Super_AL
Valued Contributor

Re: Amex BCE approved on modified terms


@Alleycat2003 wrote:
Hi All,

Here's something interesting. I apped last night for the BCE and initially it was denied, however the denial letter stated they could not offer me the into apr, or welcome bonus. However they could offer me the BCE with a $500 credit limit and everything else would be the same. They said if I was interested to contact them at a phone number. I called this morning and spoke to a rep and he said about 60 days ago they. (Amex) started a new program to let people in on certain modified terms. I was like "yes, I'll accept the card on modified terms" and so I was approved!! I'm now in with Amex.. Never been with them before!! So excited!!

Congratulations to you!...Thanks for sharing.Smiley Very Happy

Smiley Happy (BANK OF AMERiCA CA$H REWARD$ ViSA SiGNATURE) (CHASE AMAZON ViSA SiGNATURE) (CAPiTAL ONE QUiCKSiLVER ViSA SiGNATURE) (CiTi DOUBLE CA$H WORLD MASTERCARD) (BARCLAYCARD UPROMiSE WORLD MASTERCARD) (SYNCHRONY MARVEL MASTERCARD) (AMERiCAN EXPRESS BLUE CA$H EVERYDAY) (DiSCOVER iT NHL)
Message 8 of 16
Mia25
Senior Contributor

Re: Amex BCE approved on modified terms

Nice, congrats 

Message 9 of 16
SouthJamaica
Super Contributor

Re: Amex BCE approved on modified terms


@Alleycat2003 wrote:
Hi All,

Here's something interesting. I apped last night for the BCE and initially it was denied, however the denial letter stated they could not offer me the into apr, or welcome bonus. However they could offer me the BCE with a $500 credit limit and everything else would be the same. They said if I was interested to contact them at a phone number. I called this morning and spoke to a rep and he said about 60 days ago they. (Amex) started a new program to let people in on certain modified terms. I was like "yes, I'll accept the card on modified terms" and so I was approved!! I'm now in with Amex.. Never been with them before!! So excited!!

Congratulations Smiley Happy


Total revolving limits 653000 (575000 reporting) FICO 8: EQ 716 TU 747 EX 715

Message 10 of 16
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