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Amex Blue Cash Preferred Approved with baddies

RailRoaderDre
Member

Amex Blue Cash Preferred Approved with baddies

I was supposed to be in the garden for 20 months, but...I applied for the Discover It Chrome yesterday and was approved for $5,500. My Cap 1 Savor is only 4 months old. Then I was thinking I would really like to have the Blue Cash Preferred. I knew if I was to be approved it would be a low limit, but I really would like my accounts to grow together for AAoA so I'm willing to take the hit now to set myself up for the future. Amex approved me for $2,000. I'm thankful and I know the limit will grow. 

 

Pulled Experian only. Fico 8 was 674 when pulled. Credit Util was 1 percent. inquiries was 12, 2 in the past 12 months. AAoA is 7 years

My Cap 1 Platinum and Discover Cash Back are over a year old and never late on any payments. I had a USAA Secured and SelfLender thats a year old and closed with no lates. 

 

Baddies: All of my baddies are actually my oldest accounts so I will take an AAoA hit once they all fall off by summer 2021.

2 Nelnet accounts: defaulted, closed and transferred to a collector. 120 day lates  

2 Kentucky Higher Education accounts: paid and closed. 

Nelnet: Charged off and settled. 

Cap 1 auto loan: paid and closed. 90 day late - 5.5 years old, 60 day late - 3 years old

Verizon: paid and closed. I actually use their services still and they refuse to take this off my report. 

 

Thanks to this community and I hope these data points help. Now I'm in the garden for real until 9/2021. My next and last card that I want is the Freedom. I bank with Chase and will be at 2/24 by 9/2021 and all my baddies except Verizon will be off my report. 

 

Started Rebuild 07/2018 from low 500s
FICO 8 Ex 684, Trans 694, Equifax 707
In the garden until 09/2021.

Cap1 Platinum $500
Discover It Cash Back $3,700
Cap1 Savor1 $7,700
Discover It Chrome $5,500
Amex Blue Cash Preferred $4,000
Message 1 of 11
10 REPLIES 10
AllZero
Super Contributor

Re: Amex Blue Cash Preferred Approved with baddies

Congratulations on your approvals!
Message 2 of 11
RailRoaderDre
Member

Re: Amex Blue Cash Preferred Approved with baddies

Also I want to add that I had no pre approvals for this card. I receive mailers for the Gold and Green card, but when I checked the prequals I was only pre approved for all of Amexs hotel cards. 

Started Rebuild 07/2018 from low 500s
FICO 8 Ex 684, Trans 694, Equifax 707
In the garden until 09/2021.

Cap1 Platinum $500
Discover It Cash Back $3,700
Cap1 Savor1 $7,700
Discover It Chrome $5,500
Amex Blue Cash Preferred $4,000
Message 3 of 11
ClassicMan
Valued Contributor

Re: Amex Blue Cash Preferred Approved with baddies

Congrats to you on the approvals.

12/18/19




05/27/20





Cards

Authorized User
Message 4 of 11
Bbcatcher
Valued Contributor

Re: Amex Blue Cash Preferred Approved with baddies

Congratulations!



Message 5 of 11
Traveler101
Frequent Contributor

Re: Amex Blue Cash Preferred Approved with baddies

Congrats!
Message 6 of 11
M_Smart007
Epic Contributor

Re: Amex Blue Cash Preferred Approved with baddies

Congrats!

popcorn eating emoticon.gif
Message 7 of 11
Steve891
Senior Contributor

Re: Amex Blue Cash Preferred Approved with baddies

Congrats on your Amex BCP approval!




Message 8 of 11
Meanmchine
Super Contributor

Re: Amex Blue Cash Preferred Approved with baddies

Congrats and Happy New Year

 


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 9 of 11
Openwater
Frequent Contributor

Re: Amex Blue Cash Preferred Approved with baddies

Congrats on the BCP, I've got my eye on that for next month. Got my fingers crossed.




Discover 22K ---------------------------- Credit Union MC 12K
Cap1 QS 10K ---------------------------- Barclay 3.4K
AMEX Blue Cash AU 15.5K ------ Barclay Apple AU 10K
AMEX BCP 22K
2 Installment loans:
Auto 15K / 39K ---------- Auto 28K / 39K
Vantage 3.0: TU:738 EQ: 737 03-17-2020
Ch. 7 DC 12/2014
Message 10 of 11
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