"Cards for You" offers had me pre-qualified for the BCE.
This wasn't one that left me jumping for joy, but at least it's an approval.
total debt,only credit cards $323/$26,250, no installment loans, morgage (sic)
rent / mo income ratio: 23%
scores: Fico8 current, EX=754, range 752-758, Bankscore8 EX=768, others 764-772, Fico9 EX=759 (wellsFargo)
Cards (8): CapOne Platium (5/18, 0/500) Synchrony Amazon Prime (?/18, 0/2000), Discover IT (2/19, 0/2100), CapOne QuickSilver (6/19, 0/2500), Amex CashMagnet (9/19, 0/6000), Citi Rewards+ (12/19, 323/4000 BT), Paypal Cashback MC (12/19, 0/6000), American Express BCE (5/20, 0/3100).
before app: AAoA 1Y, 1M, AoOA=2 Yr
It's a win! 🤗 Maybe in the future, and if it fits your spending patterns, you'll receive an upgrade benefit offer for the BCP? That's the path my BCE took. With time, CLI's, then upgrade it has truly grown.
Have you sock-drawered your cash magnet in the past few months? If so, that may be why.
Not completely but my spending on CM has not been impressive, just checked my summaries, 2,721 total over 10 months, so 272.10 per month.
Your suggestion seems the best explanation ... I had came across some posted DPs, Amex cardmembers saying they put ~1,000+ per month on their existing card and found the pop-up going away for them.
Congrats on your new BCE card
Congrats on the preapproval! First I'm hearing about the SUB block and I'm sorry to hear that. Instant approval does seem to lessen the blow though! Congrats again!