How did I get approved?

[Anonymous]

AMEX BCE came with a 21.99 APR.

Key factors affecting my score:

- Serious Delinquency

- Length of time accounts have been established

- Proportion of loan balances to loan amounts is too high

- Too few accounts currently paid as agreed

- Too many inquiries in the last twelve months

EX FICO 696

Yet I have a 7000 dollar starting limit.

Thoughts?

[asphaltcowboy]

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@Anonymous wrote:

AMEX BCE came with a 21.99 APR.

Key factors affecting my score:

- Serious Delinquency

- Length of time accounts have been established

- Proportion of loan balances to loan amounts is too high

- Too few accounts currently paid as agreed

- Too many inquiries in the last twelve months

EX FICO 696

Yet I have a 7000 dollar starting limit.

Thoughts?

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Computer glitch jk, Congrats nice limit, WTG

[grinlikechelsea]

What I've learned is to never question an approval.

But since you've had the Green for awhile, you must have built a pretty solid relationship with Amex, and that allowed you to get the BCE. Congrats!

[Stralem]

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Stock MyFico Answer:

They take your entire credit profile into account and weight all sorts of factors. They simply saw more good than bad in your case.

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My Answer:

Lady Luck had one too many Jaegermeisters last night and flashed more than a smile your way.

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Huzzah!

[grinlikechelsea]

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@Stralem wrote:

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Stock MyFico Answer:

They take your entire credit profile into account and weight all sorts of factors. They simply saw more good than bad in your case.

---

---

My Answer:

Lady Luck had one too many Jaegermeisters last night and flashed more than a smile your way.

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Huzzah!

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I wish Lady Luck had a better taste in alcohol... 

[Lin55]

Also, with all your baddies I would've guessed your score would be in the low 600s or 500s. But the fact that you pretty much have a 700 FICO is probably what got you the card.

[pizzadude]

Moving to CC approvals.

[gdale6]

Congrats on your AMEX card

[baller4life]

Haha congrats! 

[CreditMagic7]

Congrats.