Approved for Amex BCE

[Anonymous]

So I have been working on improving my credit these past 3 years and have managed to work my scores from the mid 500s to the low 700s.  

My largest CC was a Cap One Platinum that I have had since 1999.  But the problem is that there are no rewards associated with this card as you are all no doubt aware.

So I decided to pull the trigger last week and apply for the Amex BCE.  This was the card I wanted all along as I like the cash back rewards that it provides and I don't carry balances anymore like I used to, so it seemed like a no brainer.

I did the application and it came up with the dreaded 7-14 day message.  Not to be discouraged, I immediately went to the online application status link to see if anything had changed and it came up that I was approved. 

I can't tell you the feeling of joy at seeing that. I've come a long way in trying to repair my credit and this feels like a nice reward for my efforts.

I'm hoping to get my card today.  I did receive the letter in which they give you your EX FICO score and mine came up as 724.  It's probably a little higher than that since then because the day after they pulled my report, an old judgment dropped from my EX report!  Oh well, I got approved anyway.

[bakalao2k]

I hate to be trite, but congratulations.   I have a plain old  AMEX Blue card.

[Anonymous]

Thanks.  I appreciate it.

The funny thing about my Capital One account is that almost a year ago, my limit was stuck at $500, as it had been for years before that.

Then one day I logged into my account and it was showing my credit limit as $5,500!  I was shocked and actually thought it was a mistake as Capital One usually doesn't do that.

But a few days later I got a letter telling me they raised my limit.

Strange indeed, but it was very helpful.

[bakalao2k]

Capital One was notorious for being stingy with credit line increases.

[LS2982]

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@Anonymous wrote:

So I have been working on improving my credit these past 3 years and have managed to work my scores from the mid 500s to the low 700s.  

My largest CC was a Cap One Platinum that I have had since 1999.  But the problem is that there are no rewards associated with this card as you are all no doubt aware.

So I decided to pull the trigger last week and apply for the Amex BCE.  This was the card I wanted all along as I like the cash back rewards that it provides and I don't carry balances anymore like I used to, so it seemed like a no brainer.

I did the application and it came up with the dreaded 7-14 day message.  Not to be discouraged, I immediately went to the online application status link to see if anything had changed and it came up that I was approved. 

I can't tell you the feeling of joy at seeing that. I've come a long way in trying to repair my credit and this feels like a nice reward for my efforts.

I'm hoping to get my card today.  I did receive the letter in which they give you your EX FICO score and mine came up as 724.  It's probably a little higher than that since then because the day after they pulled my report, an old judgment dropped from my EX report!  Oh well, I got approved anyway.

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Congrats!!!

[Anonymous]

A nice card, congrats

[LS2982]

I noticed your new OP, Welcome to the forums!!!!

[Anonymous]

Congrats!! I'm gunning for this card in a few more months I will have had my card 13 mos and then I will apply!

[hateAshbury]

congrats, it's good to feel things turning for the better

[Platinum]

Nice card, CONGRATULATIONS !!!