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Amex BCE

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Established Member

Amex BCE

Applied 5/21

"Cards for You" offers had me pre-qualified for the BCE. 

good

  • second card with Amex and they did not do a hard pull.  Used softpull of EX 4/25  score 747.  Nice!
  • instant approval!  Not many banks offer them these days. SO much less anxiety.

bad

  • SL: $3,100

ugly

  • Got the dreaded pop-up denial of 150.00 bonus which was surprising.  I initially canceled continuation of the offer.  I have no idea, even after talking to 4 CSRs  why I got the booby prize no-bonus version of offer. CSRs all echoed the same line, they have no access to reasons for SUB denial flag.   Anyway, 'that's life', sometimes you have to bend over and take it, which in this case I decided to do, completing the application for the BCE.  I do appreciate the soft-pull with instant decision.

This wasn't one that left me jumping for joy, but at least it's an approval.

 

profile info

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

Message 1 of 19
18 REPLIES 18
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Frequent Contributor

Re: Amex BCE

Congratulations!!! A win is a win, and approval beats a denial, good, bad and Ugly! 

Message 2 of 19
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Super Contributor

Re: Amex BCE

Congratulations on your approval!

Message 3 of 19
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Valued Member

Re: Amex BCE

Have you sock-drawered your cash magnet in the past few months?  If so, that may be why.


Message 4 of 19
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Frequent Contributor

Re: Amex BCE

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. 

Present Day...Equifax: 767, TransUnion: 789, Experian: 753
Sept. 2016...Equifax: 652, TransUnion: 608, Experian: 597
PenFed CLOC: $500
Message 5 of 19
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Mega Contributor

Re: Amex BCE

Congratulations on your approval! ...

Message 6 of 19
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Established Member

Re: Amex BCE

 


@Penjamin_Fedington wrote:

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. 

Message 7 of 19
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Senior Contributor

Re: Amex BCE

Congrats on your Amex BCE approval!

Currently: Gardening since 04/2020




Message 8 of 19
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Super Contributor

Re: Amex BCE

Congrats on your new BCE card



3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>05/2020 CCT EX 834 TU 848 EQ 844

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 9 of 19
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New Member

Re: Amex BCE

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!

Hey

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