AMEX BCE Score Required

[Shockedimpy]

Hello!

My girlfriend has a prequal offer for the Everyday & Blue Cash Everday. This is through the website, how solid are these? Her EX is only 644, TU 673 EQ 613. I cant even get a prequal and my scores are all higher! Do you think she has a shot at it? 

[Closingracer99]

If she is pre qualified I say say go for it and see what happens.

[Anonymous]

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@Closingracer99 wrote:

If she is pre qualified I say say go for it and see what happens.

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Agreed.... 

[Curious0ne]

The worst that can happen is they so no. But being a prequal, it should be fine.

[thummel]

Is there anyway she can get her score up a bit? Higher score will not only be a greater chance of approval but mabye a better apr and starting limit. Just for though If not then I would just pull the trigger.

[Anonymous]

Can try , 1 month ago i try myself not prequal and denied , my EX is 658 , i call for recon and they say want people with 700+ score. 

[sjt]

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@Anonymous wrote:

Can try , 1 month ago i try myself not prequal and denied , my EX is 658 , i call for recon and they say want people with 700+ score. 

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A lot of folks have been approved with much lower scores.

Amex uses their own internal scoring model. 

[Anonymous]

I was just approved a week ago for BCE with a BCE and ED Prequal, EX was 656 at approval, 1 collection, 2 cahrgeoffs, and a 90 day late all from 2013.

[DoroLucky]

I was in the 640 when I app'ed for my PRG and ED and was instantly approved. Maybe Anex just started scrutinizing scores lol

[sjt]

Amex utilizes their own internal scoring system. Hence folks with lower 600 scores get approved and some with 700 plus score get denied.