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Amex BCP Approval DPs. Slightly disappointed though

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Eyepinpools
Regular Contributor

Amex BCP Approval DPs. Slightly disappointed though

Hey y'all. Pulled the trigger on an Amex BCP app just moments ago. Here are my DPs.

 

EX8 767 

AAoA 3.5yr

AoORA 14.5yr

UTIL 1% ( 131 bal/25,500 TCL)

AWB 1/5

Income 160k 

NEW ACCOUNTS : 0/6, 3/12 4/24

first card with Amex 

 

Was instantly approved for a 6k SL. I honestly thought it would be higher since I have 3x cards with BOA all with 7k SL. I guess will try for the 3x CLI @ 61 days to hopefully bring it to 18k CL. 

Let me know if you have any advice on recon to higher SL or want any additional DPs. 

Message 1 of 34
33 REPLIES 33
SweetCreditObsession
Valued Contributor

Re: Amex BCP Approval DPs. Slightly disappointed though

Congratulations on the new card.

 

Advice: Your plan is solid - execute it.



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 2 of 34
sourpuss29
Frequent Contributor

Re: Amex BCP Approval DPs. Slightly disappointed though

Congrats on your BCP approval and welcome to the family!🎉

*sidenote*

Your username is hilarious!Smiley Very Happy

Message 3 of 34
Mr_Mojo_Risin
Senior Contributor

Re: Amex BCP Approval DPs. Slightly disappointed though

Congrats on your BCP approval! 

You'll probably have a good chance for the 3X CLI after 61 days.

Enjoy that 6% cash back!

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 4 of 34
pizzadude
Credit Mentor

Re: Amex BCP Approval DPs. Slightly disappointed though

Congrats on the BCP approval !  It's one of the best cashback cards out there, and I'm sure you'll have good luck on CLIs after a few months of good use.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 5 of 34
Taurus22
Valued Contributor

Re: Amex BCP Approval DPs. Slightly disappointed though

Congrats on your first AMEX!  Smiley Wink 

 

And hey, that's actually not bad for a SL for new AMEX cardholder. My BCP started at only $2,000 and I've gotten one 3X CLI to $6000. Working off my 181 days for my next one. Given that your total CL is stated at just over 25k, I think that 6k is pretty solid honestly.  But the great thing is.....3X CLI does exist, so you'll be in great shape afterward.

My Wallet
Sock Drawered

On Deck: No Plans Currently
Message 6 of 34
KLEXH25
Valued Contributor

Re: Amex BCP Approval DPs. Slightly disappointed though


@Eyepinpools wrote:

Hey y'all. Pulled the trigger on an Amex BCP app just moments ago. Here are my DPs.

 

EX8 767 

AAoA 3.5yr

AoORA 14.5yr

UTIL 1% ( 131 bal/25,500 TCL)

AWB 1/5

Income 160k 

NEW ACCOUNTS : 0/6, 3/12 4/24

first card with Amex 

 

Was instantly approved for a 6k SL. I honestly thought it would be higher since I have 3x cards with BOA all with 7k SL. I guess will try for the 3x CLI @ 61 days to hopefully bring it to 18k CL. 

Let me know if you have any advice on recon to higher SL or want any additional DPs. 


Congratulations on your approval! I was approved for this card last August and was disappointed with the $5k SL, HOWEVER, it's now at $30k so it's all good lol. In December (I waited longer than 61 days), I applied for a 3x CLI and got it ($15k). Then in June I went for 2x and got it ($30k). It can be hard to get 3x at the higher limits, but your income might support it. Still, they may ask for POI before giving it. 



Message 7 of 34
CreditAggie
Community Leader
Super Contributor

Re: Amex BCP Approval DPs. Slightly disappointed though

Congratulations on your Amex BCP approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 8 of 34
MyFault
Valued Contributor

Re: Amex BCP Approval DPs. Slightly disappointed though

Congrats on your approval!








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Message 9 of 34
Eyepinpools
Regular Contributor

Re: Amex BCP Approval DPs. Slightly disappointed though

Account hasn't reported yet but the HP did. Looks like I took a 7pt hit from it

Message 10 of 34
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