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Amex BCP Approval with low limit... Instant card number

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coolandcalm
Contributor

Amex BCP Approval with low limit... Instant card number

1st - Amex (Delta Plat) was May 2021.. started with $2,000 limit.. currently at $16,000
 
2nd - Amex (Plat Charge) Dec 2021
 
Applied for 3rd Amex (BCP) June 2022.. and was in "Pop Up Hell" for the sub.. have applied many times, many different ways and still would receive the "pop up"
 
Applied yesterday in incognito mode.. and was approved with no "pop up".. chose the instant card number option.. and was given $1,200 limit
 
Added the BCP to my online profile and tried requesting a CLI.. option is not available, message reads.. "Your account is ineligible for a Credit Limit increase request"
 
Why is my credit limit so low for the BCP? Does accepting an instant card number with Amex ever have an affect on the initial credit limit offered?
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5 REPLIES 5
OmarGB9
Community Leader
Super Contributor

Re: Amex BCP Approval with low limit... Instant card number

It's probably low because something about your file is making them nervous. It's a borderline approval.

 

No, the instant card number would have no bearing on the SL. That's entirely dependent on your credit report.

 

BTW it's expected you can't ask for a CLI when you JUST opened the account - the earliest you could possibly try is 3-6 months.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 2 of 6
babygirl1256
Senior Contributor

Re: Amex BCP Approval with low limit... Instant card number

Congrats on your Amex BCP approval.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 3 of 6
CreditAggie
Community Leader
Super Contributor

Re: Amex BCP Approval with low limit... Instant card number

Congratulations on your Amex BCP approval!

Current Cards (in order of approval):

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

Message 4 of 6
KingRue8500
Senior Contributor

Re: Amex BCP Approval with low limit... Instant card number

Congrats on your AMEX Blue Cash Preferred approval




Message 5 of 6
arifjk
Frequent Contributor

Re: Amex BCP Approval with low limit... Instant card number

Your account is just way too new to ask for a CLI. Congrats on the approval though.



AVEN Visa $80k; BCU LOC $50k; PSECU LOC: $20K; Langley FCU LOC $10K; CuSoCal LOC $25k; BECU LOC: 15k; Apple FCU LOC $20k

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