Applied For The Amex BCP And Received 14 Day Notice

[Legen_dary]

Wow.. I wonder what took so long for them to approve it?! Maybe you've been in the garden so long it took them a while to find you

[alvon123]

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@fused wrote:

Huzzah!!!!!!

Approved for an Amex BCP Card.

25K CL

0% APR first 6 months, then 13.99%

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congrats

[canusa11]

Congrats! I finally got my PRG approved today. Only took 6 days lol

[fused]

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@kr3st00 wrote:

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@fused wrote:

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@KennyRS wrote:

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@fused wrote:

Thanks again!

Does Amex send your card in the regular mail?

Is Amex still reporting new cards with the MSD? My Platinum and Clear cards report a MSD of 1988.

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They will report it with the 1988 date. Also, it will come USPS I believe for the BCP.  

Congrats on your great CL!

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Thanks!

So, Amex will automatically report my open date of 1988 and I don't need to do anything? I ask because I had some trouble getting two cards to report a MSD of 1988 back in 2008.

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I had to contact them via the online chat and ask them to correct my "member since date" and they did it without a hitch. 

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Cool! I'll use the online chat if I have any problems. Thanks for the info.

[fused]

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@Legen_dary wrote:

Wow.. I wonder what took so long for them to approve it?! Maybe you've been in the garden so long it took them a while to find you

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Har har!

[Bman70]

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@Legen_dary wrote:

Wow.. I wonder what took so long for them to approve it?! Maybe you've been in the garden so long it took them a while to find you

Well they gave OP 50k total credit, between the two cards, so that much CL must go into another level of review. 

[fused]

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@Bman70 wrote:

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@Legen_dary wrote:

Wow.. I wonder what took so long for them to approve it?! Maybe you've been in the garden so long it took them a while to find you

Well they gave OP 50k total credit, between the two cards, so that much CL must go into another level of review. 

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Agreed! The underwriter(s) also had to take into account my Amex Platinum card.

[Fico2Go]

Most interesting here is there was no FR or income verification. So the theory or general understanding that CLs over 25k will require a financial review isn't all true.

However the 850 across the board scores probably scared the analysts from doing anything intrusive given the quality of the cardmember.

[Bman70]

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@Fico2Go wrote:
Most interesting here is there was no FR or income verification. So the theory or general understanding that CLs over 25k will require a financial review isn't all true.

However the 850 across the board scores probably scared the analysts from doing anything intrusive given the quality of the cardmember.

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Very worth noting.. My suspicion has always been that FR or income verification wasn't a matter of CL alone, but CL + other profile factors. And the other factors could include score, overall history length, time as a member, etc.

[fused]

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@Fico2Go wrote:

However the 850 across the board scores probably scared the analysts from doing anything intrusive given the quality of the cardmember.

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Amex only pulled my EX report.