BANG! AMEX BCE APPROVAL!

Reincarnated · ‎06-19-2014

Hey all!

I applied for the BCE card yesterday after being denied 5 months ago for a HUGE list of reasons. Most of which did not make sense.

1 month ago I was approved for a Costco TrueEarnings AMEX card with a CL of 2K. 2K was huge for me, and out of all my cards, AMEX gave the highest credit limit.

I just called in and after being put on hold for a few minutes, I'm told that I was approved with a limit of 7K!

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Should I still try and do the 3x after 60 days for both cards? I only make ~21K annually so I don't know if I can request 7K to become 21K...

Chase Freedom $1,000 // Discover It $3,100 // SallieMae World $4,400 // Capital One Quicksilver $5,000 // Citibank Double Cash $5,000 // AMEX Costco TrueEarnings $6,000 // AMEX Blue Cash Everyday $21,000

Anonymous · ‎06-19-2014

Congrats and awesome!

coldnmn · ‎06-19-2014

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

MsLadyRover · ‎06-19-2014

Congratulations!

Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)
Take the FICO Fitness Challenge

JoshNurse · ‎06-19-2014

What are the list of reasons they gave you the previous time?

MissMoni223 · ‎06-19-2014

CONGRATS on getting in with AMEX! What is your current credit score?

Gardening Until Further Notice
15 Credit Cards (12 Major Banks & 3 Store Cards)

dodgerslv · ‎06-19-2014

congrats OP and nice starting limit!!

gardening since 5/21/2016

dabossman · ‎06-19-2014

Might as well request the 21k. Worst case scenario they counter offer. Best case you get the 21

American Express Blue Cash: $15,000 Limit

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alvon123 · ‎06-19-2014

congrats

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

SunriseEarth · ‎06-19-2014

@Reincarnated wrote:
Hey all!

I applied for the BCE card yesterday after being denied 5 months ago for a HUGE list of reasons. Most of which did not make sense.

1 month ago I was approved for a Costco TrueEarnings AMEX card with a CL of 2K. 2K was huge for me, and out of all my cards, AMEX gave the highest credit limit.

I just called in and after being put on hold for a few minutes, I'm told that I was approved with a limit of 7K!

-----

Should I still try and do the 3x after 60 days for both cards? I only make ~21K annually so I don't know if I can request 7K to become 21K...

Congrats on approval!

You could really only do the 61 day request on one of the cards. If approved for a CLI on one card, you have have wait 180 before requesting a CLI on any card. So you could either go for the 61 day on the TE and hope you get up to $6K or you could asked for $21K on the BCE and see if they counteroffer. If the 40% of income figure is true, they might put you at ~$8400 on the BCE.