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Approved for Amex BCE and Cap One Walmart MC today!

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Anonymous
Not applicable

Approved for Amex BCE and Cap One Walmart MC today!

had a mid-500 score a year ago and got it up to a 757 on TransUnion and 756 on experian this month(didn't check any other others, i mainly use wallethub). 4% utilization and no collections. Only had a Discover It card with a $9500 CL and had recently closed a quicksilver one cap one because i hated the annual fee (first card on the rebuild). decided to take a risk and attempt a chase freedom but got denied so went back to Cap one and got the wal-mart rewards MC for $1000 CL, but realized i had a prequal amex BCE laying around i had forgotten about and took the chance. got $2k out of amex. very stoked on it! will now sit on these for a year and watch it grow. 

 

my only question is how big of a temporary hit will my score take for 2 new accts and 3 inquiries in a month? 

Message 1 of 19
18 REPLIES 18
AllZero
Mega Contributor

Re: Approved for Amex BCE and Cap One Walmart MC today!

Congratulations on your approvals!
Message 2 of 19
AllZero
Mega Contributor

Re: Approved for Amex BCE and Cap One Walmart MC today!

Message 3 of 19
AllZero
Mega Contributor

Re: Approved for Amex BCE and Cap One Walmart MC today!

Any score penalty you received for new accounts may be recovered in 6 months, if not a year when AoYA was greater than 12 months.

Message 4 of 19
Anonymous
Not applicable

Re: Approved for Amex BCE and Cap One Walmart MC today!

Congrats on your approvals!

Message 5 of 19
BmoreBull
Established Contributor

Re: Approved for Amex BCE and Cap One Walmart MC today!

Congrats.


Starting Fico Scores:November 2019

Current Fico Scores: January 6, 2021
Goal Scores: 700 across all three
Message 6 of 19
coreyb80
Super Contributor

Re: Approved for Amex BCE and Cap One Walmart MC today!

Congrats on the nice approvals!!

Message 7 of 19
gdale6
Moderator Emeritus

Re: Approved for Amex BCE and Cap One Walmart MC today!

Two good cards to have in your arsenal. Congrats and welcome to myFico Smiley Happy

Message 8 of 19
Anonymous
Not applicable

Re: Approved for Amex BCE and Cap One Walmart MC today!

congrats on your approvals 🥳

Message 9 of 19
CreditAggie
Community Leader
Super Contributor

Re: Approved for Amex BCE and Cap One Walmart MC today!

Congratulations on your Amex and Capital One approvals!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (August 2026):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 10 of 19
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