AMEX BCE Declined...

Anonymous · ‎01-20-2012

So I was approved for the Amex PR Gold a couple weeks ago and really want to add the BCE. So today I decided to app for it, and of course got declined. It gave me some message about my current cardmemeber risk score didn't meet the requirements, or something like that. The good news it gave me my EX FICO based off the PR Gold application a couple weeks ago: 678. Oh well, all the baddies will fall over the next 6-9 months and maybe I try later in the year!

Anyone else experience this?

Anonymous · ‎01-20-2012

THought you were supposed to wait 6 months between application periods...?

Juan123 · ‎01-20-2012

for amex i think its either 30 or 60 days. anything before and they'll cancel the application.

Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750

Take the FICO Fitness Challenge

Long way to go ^_^

ccb2115 · ‎01-20-2012

It's 30 days to reapply or they will cancel it, but most people recommend that you wait 60 days.

I think its recommended that you wait 6 months before you apply for an entirely different card after you were just approved for one.

Scores: EX: 793 EQ: 804 TU: 801

nuggets321 · ‎01-20-2012

Yup, same happened to me after i landed the Zync, thought I would likely get the BCE.......WRONG ! Oh well, I will see what happens this spring/summer..

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500

Ron1 · ‎01-20-2012

Sorry to hear it. I didn't apply for any Amex credit card after I got approved for PR Gold three years ago. Getting approved for Amex is usually required for higher score. I think you should wait at least 6 month to apply for another one.

Ron.

LS2982 · ‎01-20-2012

@Anonymous wrote:
So I was approved for the Amex PR Gold a couple weeks ago and really want to add the BCE. So today I decided to app for it, and of course got declined. It gave me some message about my current cardmemeber risk score didn't meet the requirements, or something like that. The good news it gave me my EX FICO based off the PR Gold application a couple weeks ago: 678. Oh well, all the baddies will fall over the next 6-9 months and maybe I try later in the year!

Anyone else experience this?

Sorry to hear!

Garden for a year and hopefully those baddies will fall off!!

EQ FICO 548 3/3/16

Guava · ‎01-20-2012

jjsten, was it a hard pull?

Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean

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Anonymous · ‎01-20-2012

No, I checked. It was based off the HP they did a couple weeks ago. The letter even said: Based off Experian report from January 4, 2012.....

Guava · ‎01-20-2012

Thanks!!!

Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean

Take the FICO Fitness Challenge