Amex BCP approval

[bluediamond63]

So after being approved in November for the Total Rewards Visa Sig card and in December for the Marriott Rewards Premier Visa Sig card I decided to apply for a Amex card. I've never had one and wanted to get one because I just got a membership to Costco and thats the only credit card they accept. I was trying to decide between applying for the True earnings card, the BCE, or the BCP. I finally decided on the BCP because the rewards structure would fit me best. I apped tonight not really expecting to be approved since in the past 6 months I have opened 2 new credit cards (as mentioned above) and purchased a new car and within the past year purchased a house. But to my surprise I was approved for it with a $12,900 limit and a 14.99% APR!! Also, I was reading about this requesting 3x CLI thing after 61 days. So does that mean I can ask for a $38,700 limit after I've had the card for 2 months???

[-Wade-]

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@bluediamond63 wrote:

So after being approved in November for the Total Rewards Visa Sig card and in December for the Marriott Rewards Premier Visa Sig card I decided to apply for a Amex card. I've never had one and wanted to get one because I just got a membership to Costco and thats the only credit card they accept. I was trying to decide between applying for the True earnings card, the BCE, or the BCP. I finally decided on the BCP because the rewards structure would fit me best. I apped tonight not really expecting to be approved since in the past 6 months I have opened 2 new credit cards (as mentioned above) and purchased a new car and within the past year purchased a house. But to my surprise I was approved for it with a $12,900 limit and a 14.99% APR!! Also, I was reading about this requesting 3x CLI thing after 61 days. So does that mean I can ask for a $38,700 limit after I've had the card for 2 months???

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Congrats on your approval

[Anonymous]

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@bluediamond63 wrote:

So after being approved in November for the Total Rewards Visa Sig card and in December for the Marriott Rewards Premier Visa Sig card I decided to apply for a Amex card. I've never had one and wanted to get one because I just got a membership to Costco and thats the only credit card they accept. I was trying to decide between applying for the True earnings card, the BCE, or the BCP. I finally decided on the BCP because the rewards structure would fit me best. I apped tonight not really expecting to be approved since in the past 6 months I have opened 2 new credit cards (as mentioned above) and purchased a new car and within the past year purchased a house. But to my surprise I was approved for it with a $12,900 limit and a 14.99% APR!! Also, I was reading about this requesting 3x CLI thing after 61 days. So does that mean I can ask for a $38,700 limit after I've had the card for 2 months???

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Yes.  

Congrats on your approval. 

[CAnNY]

Congrats!

Yes, but asking for more than 25k raises a flag for them and they will require docs from reading the definitive amex thread. Just a heads up. 

[NursePurse]

Awesome, congrats!

[alvon123]

congrats

[BigBS]

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@CAnNY wrote:

Congrats!

Yes, but asking for more than 25k raises a flag for them and they will require docs from reading the definitive amex thread. Just a heads up. 

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Congrats, OP!  This number is debatable.  It generally ranges from $25k to $35k and then needing to providing forms (4506T) to verify income.  You can either do it online yourself or call and talk to a CSR, if you're worried.

[fungoman]

25k does not always trigger income verification. Plenty of examples on this site to prove so.

[Anonymous]

Congrats!

[gdale6]

Grats on your new AMEX