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Approved for Amex BCE with limited credit history!

armcalrs
New Member

Approved for Amex BCE with limited credit history!

Hello everyone Smiley Happy

Just thought I'd share some good news. In January of this year I applied for my first secured credit card from CapitalOne using my ITIN to start building some credit. Then earlier this week my friend asked if I was interested in getting an Amex card, so he sent me his referral, and I applied mostly to get him to stop pestering me about it and didn't think I would actually get approved, but to my surprise it happened.

To have my first unsecured credit card be from American Express at 19 years old is pretty exciting to say the least Smiley Happy
Message 1 of 10
9 REPLIES 9
Federalist
Regular Contributor

Re: Approved for Amex BCE with limited credit history!

Nice! It's wonferful to see people respecting credit so early in their adult life. Do you even have a FICO yet?

1 Timothy 6:10
Message 2 of 10
armcalrs
New Member

Re: Approved for Amex BCE with limited credit history!

Thank you! I don't think it's ever too early to think about your financial future, so I figure start now. 

And nope, my FICO score shouldn't be formulated until around July. I also have no prior loans or any kind to build credit off, which is why I was so surprised that Amex approved me after reading that for an Amex card, a (good) credit history is a must!

Message 3 of 10
sonicchris8
Regular Contributor

Re: Approved for Amex BCE with limited credit history!

Congrats on the AMEX approval

Starting scores: 538 EQ, 552 TU, 520 EX Current scores (11/18/20): 640 EQ 638 TU 654 EX
Message 4 of 10
GiJane007
Established Contributor

Re: Approved for Amex BCE with limited credit history!

Congratulations on your AMEX approval armcalrs! Do you mind sharing your starting limit? Thank you in advance! 😊
Message 5 of 10
armcalrs
New Member

Re: Approved for Amex BCE with limited credit history!

Of course GiJane007! They started me with a $1500 CL and the lady on the phone said I could request a CLI within a couple months of responsible use Smiley Happy
Message 6 of 10
Exquisite100wallet
New Contributor

Re: Approved for Amex BCE with limited credit history!

Congrats!!

Message 7 of 10
newhis
Valued Contributor

Re: Approved for Amex BCE with limited credit history!


@armcalrs wrote:
Of course GiJane007! They started me with a $1500 CL and the lady on the phone said I could request a CLI within a couple months of responsible use Smiley Happy

Congrats. You can ask for $4,500 after 61 days. Some people wait longer to make sure they get the increase.

 

Message 8 of 10
kidink1911
Established Contributor

Re: Approved for Amex BCE with limited credit history!

Congratulations and welcome to the AMEX family!

AMEX Platinum- NPSL // AMEX Gold- NPSL // AMEX Delta Platinum- $5,000 // NFCU More Rewards AMEX- $1,000 // Discover IT Chrome- $1,000 // Sunbit Visa- $1,000 // Capital One Venture- $3,550 // AMEX Cash Magnet Card- $1,000 // Venmo Credit Card- $1,200 // Capital One Spark- $500 // NFCU nRewards- $250
Starting Transunion Score: 548
Current Transunion Score: 642
Goal Transunion Score: 775


Take the myFICO Fitness ChallengeStarting Experian Score: 588
Current Experian Score: 623
Goal Experian Score: 775


Take the myFICO Fitness ChallengeStarting Equifax Score: 554
Current Equifax Score: 624
Goal Equifax Score: 775


Take the myFICO Fitness Challenge
Message 9 of 10
Trekkie813
Regular Contributor

Re: Approved for Amex BCE with limited credit history!

Congrats on the approval. I love my amex cards.. My 61 days is ready on Wednesday. Can't wait to see what's in store.
Starting Scores: 09.03.16
EQ: 569 TU: 591 EX: 570

Current Scores:
EQ: 674 TU: 730 EX: 679
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