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@bichonmom wrote:
Congrats on all of the BCP CCs!
What kind of scores do you guys have who are getting approved do for this cc?
Re CCCs selling to you, I had that in a big way from Cap One! It was very irritating. They were definitely high-pressured and would not take no for an answer!
I had an Experian FICO of 786 (from BofA for my Cash Rewards app)
Ex 736, flawless credit report other than 2 years of total history.
@bichonmom wrote:
I'm hoping after my one collection drops off in Jan/Feb, my scores will go into the 700s. But I may need to wait longer to app w/amex since I have a short cr history. It looks like 730+ is necessary for Amex.
Not quite, I was just recently approved for Amex Delta Gold Skymiles whatever its called. I have a 705 EX FICO with a 4 month old 30 day late. All other history is good though.
I'm still waiting on mine to come in the mail as well. I got $2k which matching my highest reporting limit. I'm hoping they will show me some love and Amex will get me out of low CL territory and others will follow the lead. I intend to make it my daily card. I was at 734 with two five year old unpaid collections when approved. I believe if it wasn't for my address recently changing it would have been instant, as soon as they verified that it was approved.
Question: Who decided 3x your CL is the max you can ask/get? Does Amex state that somewhere or have they told people that? Or have people just not been approved for anything over 3x? A curious mind wants to know! Anyone want to be a guinea pig - ask for 4x the limit or even 3.1x?
The Amex system informs you when you submit your request that it can accept requests of 3x your current limit up to $25K. Other requests are possible, but can only be done through a representative -- thus no online luv botton or automated telephone response.
@JWatson0405 wrote:
@bichonmom wrote:
I'm hoping after my one collection drops off in Jan/Feb, my scores will go into the 700s. But I may need to wait longer to app w/amex since I have a short cr history. It looks like 730+ is necessary for Amex.
Not quite, I was just recently approved for Amex Delta Gold Skymiles whatever its called. I have a 705 EX FICO with a 4 month old 30 day late. All other history is good though.
From what I found out, Amex Delta Gold is probably the easiest card to get. Minimum EX fico 680+.....I was approved for the Amex SPG with an EX Plus score of 720 - clean report and 5+yrs of AAoA. When my score jumped to 747 EX Plus, I apped for the BCP and was approved instantly with a generous CL...about 5 months after activation of my 1st Amex. In the end...you really don't know til you try IMHO and YMMV.
My SPG is due for a CLI this coming Feb and I am looking forward to it
BCP is due for a CLI in 61 days too!
Ok, ok, ok, I just got my Zync in Oct. So, if I wait six months, (APR) I can apped for the Delta card and get approve? Cool, but I don't fly Delta (Southwest!!!) so, would the Gold Reserve be the card for me to app? Or BCP? or Costco True Earning.....ok, I will stop for now...