AMEX BCE

[Skye12329]

So im itching to apply for AMEX BCE, but im nervous about being declined. Was wondering what you all think.

Myfico Equifax says 696

My Tu is a little over 700

Unsure on Experian

Util is less than 10%

100% Payment History 

0 Derogatory Marks

AAOA - 1 Yr 6 mos. Oldest account 3 years, Newest is 4 mos.

10 Accounts 5 are CC of which BBY is reporting that it closed due to the transition so 4? 

10 Inquiries according CK of which about half are from car shopping and 1 is from opening a bank account

A little less than 15k in Student Loans

Also how accurate is CK approval suggestions because its saying i have a Good chance for BCE and Discover.

So what do you all think?

Im scared about being declined because i dont want to take another inquiry, but i really want BCE and i was trying to wait till 2015 because then i should have no inqs have about a 100% chance of approval.

[RushXTC]

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@Skye12329 wrote:

So im itching to apply for AMEX BCE, but im nervous about being declined. Was wondering what you all think.

Myfico Equifax says 696

My Tu is a little over 700

Unsure on Experian

Util is less than 10%

100% Payment History 

0 Derogatory Marks

AAOA - 1 Yr 6 mos. Oldest account 3 years, Newest is 4 mos.

10 Accounts 5 are CC of which BBY is reporting that it closed due to the transition so 4? 

10 Inquiries according CK of which about half are from car shopping and 1 is from opening a bank account

A little less than 15k in Student Loans

Also how accurate is CK approval suggestions because its saying i have a Good chance for BCE and Discover.

So what do you all think?

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I got approved for it last month, Check my scores in my Sig.

Util was 24% at the time.

AAoA 1Y 2M (IIRC)

100% Payment history

0 Derogatory

CK and CS are way off on the approval suggestions, Don't do it because THEY said you have a good chance, They're just in it for the referral. I tried for Discover IT 2 times in the beginning of the year, Because CK suggested. I did wait about 3 months in between, Didn't get it until August the same day I got my BCE. If you feel comfortable, Go for it! Looks like we have similar scores, But then again, When I apped for BCE, They had sent me a letter saying I was preapproved and an invitation code included (Again, These mean nothing because I've been through 5-6 declines through preapprovals)

Good luck!

[myjourney]

Amex will pull EX how many INQ's do you have there?

[Skye12329]

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@myjourney wrote:

Amex will pull EX how many INQ's do you have there?

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Im unsure, i cant receive my free report yet from them yet.

[myjourney]

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@Skye12329 wrote:

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@myjourney wrote:

Amex will pull EX how many INQ's do you have there?

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Im unsure, i cant receive my free report yet from them yet.

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Why can't you get a report? What's on EX is a reflection of your approval odds

[Skye12329]

It hasnt been a year for me yet to receive my free report. 

[myjourney]

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@Skye12329 wrote:

It hasnt been a year for me yet to receive my free report. 

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Tell me how long you've had each CC maybe I can get a good estimate?

[Skye12329]

Elan - 2 -3 yrs more towards the 3 yrs end

Sears - 1 yr

BBY - 9 mos

Cap1 - 4 mos

Target - 10 mos

My student loans basically accumalate for the AAOA i have some loans dating back to 2010

[myjourney]

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@Skye12329 wrote:

Elan - 2 -3 yrs more towards the 3 yrs end Good

Sears - 1 yr Good 

BBY - 9 mos probably showing as closed and waiting on Citi to update again also probably 1 HP on EX

Cap1 - 4 mos Short history 1 HP on EX

Target - 10 mos Short history

My student loans basically accumalate for the AAOA i have some loans dating back to 2010 Good 

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Ok you're doing a wonderful job of building history and credit......

However in my humble and honest opinion I really think you should wait another 3-4 months .......Sorry 

With Citi closing the history on BBY scores may have dropped some but don't worry they will recover when Citi report again as long as they report the whole history

If you had considered a charge card maybe but a revolver I just think it's to early for Amex just yet. YMMV tho

[Skye12329]

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@myjourney wrote:

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@Skye12329 wrote:

Elan - 2 -3 yrs more towards the 3 yrs end Good

Sears - 1 yr Good 

BBY - 9 mos probably showing as closed and waiting on Citi to update again also probably 1 HP on EX

Cap1 - 4 mos Short history 1 HP on EX

Target - 10 mos Short history

My student loans basically accumalate for the AAOA i have some loans dating back to 2010 Good 

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Ok you're doing a wonderful job of building history and credit......

However in my humble and honest opinion I really think you should wait another 3-4 months .......Sorry 

With Citi closing the history on BBY scores may have dropped some but don't worry they will recover when Citi report again as long as they report the whole history

If you had considered a charge card maybe but a revolver I just think it's to early for Amex just yet. YMMV tho

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Alright thanks for the helpful information i will wait, ugh i have been gardening since my Cap1 and trying to wait till 2015 so my inqs will fall off and my AAOA will be good. Its hard XD