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Amex BCE approved on modified terms

Regular Contributor

Re: Amex BCE approved on modified terms

Congrats, it's great they let you in and now you can benefit from amex offers. Within a year if you find the right offers you'll save over $250 probably. Enjoy your new card.

EQ Score: 784 | TU Score: 758 | EX Score: 760 | Goal Score: 800+
INQ = TU: 1 | EQ: 0 | EX: 4
Utilization: 0% usually or at most 1% - 3%.
Amex BCE (Approved: 11/2015): $24k ($6k SL) | Discover IT (Approved: 07/2015): $16k ($1k SL)
Citi DC WEMC (Approved: 07/2016): $14.5k ($4.6k SL) | Chase SR (Approved: 01/2017): $11k
Chase Freedom Unlimited (Approved: 07/2016): $7.5k | Chase Freedom (Approved: 12/2014): $5k ($500 SL)
Citi Simplicity (Aprroved: 07/2018): $4.5k | Total CL: $82.5k
Message 11 of 16
Valued Contributor

Re: Amex BCE approved on modified terms

Congrats on your approval!!!

Fico 8's TU 756/ EQ 754/ EX 743- 8/2020// AAoA 5.7 years // Lines August 2020 = 619k Personal - Business 61k // Inquiries 6 TU - 0 Exp - 0 Eq.
Message 12 of 16
Frequent Contributor

Re: Amex BCE approved on modified terms

That's amazing

Message 13 of 16
Senior Contributor

Re: Amex BCE approved on modified terms



This is a new program and I think its still in a "pilot" phase.


They are targeting the counter offer to folks that are in a rebuilding stage and their credit profile indicates an improvement trend.


I think this a great program and Im hoping that Amex will allow you to grow this card and open the door to other Amex products.



American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum, Business Cash
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (3.04.21) EX: 838 / EQ: 850 / TU: 848
Message 14 of 16
Established Contributor

Re: Amex BCE approved on modified terms


AAOA 15 months Fico 08's 714 717 678 11% Utilization
Message 15 of 16
Moderator Emeritus

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!!

Very interesting, indeed!   Congrats on your approval, OP!

Start: 619 (TU08, 9/2013) | Current: 795 (TU08, 10/14/20)
AMEX Cash Magnet $59000 | BofA BBR #1 $43900 | Discover IT $39000 | BoA BBR #2 $31100 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $24500 | Sony Card VS $23750 | GS Apple Card WEMC $20000 | Cap 1 QS WMC $17250 | Freedom Flex WEMC $15000 | Disney Premier VS $15000 | FNBO Evergreen VS $15000 | Target MC $14000 | WF Cash Wise VS $12,000 | Amazon VS $10000 | Blispay $7500 | AARP VS $5800 | Cash Back World WMC $3000 ~~
Message 16 of 16
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