Amex BCP -What are my chances of approval?

[Gregory1776]

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@Anonymous wrote:

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@Gregory1776 wrote:

3 months minimum, six preferably 

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What I was going to say too. Even if prequalify they like 6+ months. I held out with Crap1 for 6+ months even though I was prequaliified.

I somewhat regret not going for the BCP so good choice if you come up with the prequalify by look for an offer on Credit Karma or something so they waive the yearly fee or get a bonus.

Stores like Walmart and Target or whole sale clubs like BJs don't count for the gas and grocery though. It's only 1% if the gas station is attached to a chain/grocery store like BJ's Gas. Some people get disapointed because that is where they do most of their grocery shopping.

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keep in mind too, they sometimes offer six months of 10% at restaurants! 

They em don’t have anything special now, but keep an eye out! You could get a good deal!

[Anonymous]

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@Gregory1776 wrote:

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@Anonymous wrote:

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@Gregory1776 wrote:

3 months minimum, six preferably 

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What I was going to say too. Even if prequalify they like 6+ months. I held out with Crap1 for 6+ months even though I was prequaliified.

I somewhat regret not going for the BCP so good choice if you come up with the prequalify by look for an offer on Credit Karma or something so they waive the yearly fee or get a bonus.

Stores like Walmart and Target or whole sale clubs like BJs don't count for the gas and grocery though. It's only 1% if the gas station is attached to a chain/grocery store like BJ's Gas. Some people get disapointed because that is where they do most of their grocery shopping.

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keep in mind too, they sometimes offer six months of 10% at restaurants! 

They em don’t have anything special now, but keep an eye out! You could get a good deal!

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On BCP only? Thanks, I didn't know about that one. I'm going to wait until my 1year anniversery with Amex in hopes I get a free upgrade like some others did.
Until then, we can get gift cards at grocery stores using Discover!

[Anonymous]

Probably get the utilization down, it'll probably give you your best chances for approval. Well, after waiting about 6 months since you just applied for other stuff. My scores were higher than yours when I applied, but my income is also much smaller than yours. I only work part-time and make 12K per year, and I got approved for $2000 for BCP, so maybe the income isn't too much of a big deal. 

[Anonymous]

I do have other cards:
-Cap1 secured ($500) this is my oldest card and cap1 refuses to unsecure 😢
-Cap1 platinum ($850)
-Cap1 quicksilver ($850)
-Credit One ($1200)
-Merrick ($1500)
-Target ($2000)
-Victoria Secret ($850)
-Brylane Home ($570)
+ my new visa from my credit union ($3000)

I also have a loan that only has $4065 more to go. My AAoA is 2 years 6 months. Until this new card, my newest account was from May 2017. My utilization was at 50%, but the one good thing about the new card is that it will go down to about 35%