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BCE decline :( at least I got approved for Chase Freedom with a "decent" limit.

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zeusta20
Established Contributor

Re: BCE decline :( at least I got approved for Chase Freedom with a "decent" limit.


@dodgerslv wrote:

@zeusta20 wrote:

So...A few days ago, I apped for the BCE and got denied. So bummed out! I was sure that I was going to get approved! I have NO baddies. Tried to call to find the reason, and from what the rep told me, they have their own little "risk" score. She told me a bunch of small little reasons, but to be honest, I can't remember them all so i'm going to have to wait until I get the letter.

 

Since I got denied, I apped for the Chase Freedom card. Was approved for 2k. Called and got it up to 4k.

 

At least I got a CLI....I still want the BCE though! I thought i'd be able to get it since my credit isn't bad, and since I've already got my foot in the door with the Amex Green! Oh well....Guess its time to wait it out :-/


Sorry to hear about BCE zues but Congrats on Chase!....how long have you been with AMEX?


I know! I'm so bummed...I've been with amex for about 10 months now. I opened my account with AMEX 06/01/12

Bank of America Cash Rewards Visa Sig-15k
Chase Sapphire Reserve Visa Infinite-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Message 11 of 37
zeusta20
Established Contributor

Re: BCE decline :( at least I got approved for Chase Freedom with a "decent" limit.


@myjourney wrote:

@zeusta20 wrote:

@myjourney wrote:

Recon BCE again and congrats on Freedom


@zeusta20 wrote:

So...A few days ago, I apped for the BCE and got denied. So bummed out! I was sure that I was going to get approved! I have NO baddies. Tried to call to find the reason, and from what the rep told me, they have their own little "risk" score. She told me a bunch of small little reasons, but to be honest, I can't remember them all so i'm going to have to wait until I get the letter.

 

Since I got denied, I apped for the Chase Freedom card. Was approved for 2k. Called and got it up to 4k.

 

At least I got a CLI....I still want the BCE though! I thought i'd be able to get it since my credit isn't bad, and since I've already got my foot in the door with the Amex Green! Oh well....Guess its time to wait it out :-/


 


Thats what I tried to do, but then she said that it would count as an inquiry...So I just said, nevermind. Since I got declined, FROM WHAT I UNDERSTAND, its a SP. So instead of putting another HP on my CR, I just decided to leave it as it is. This month alone, I've had about 5 inquiries...So i'm done for a while. 


Yeah I know Lol

Back to the garden now do not pass go..... do not collect 200.00 ...........lmao ....GET TO MARCHING Smiley Very Happy


Oh I know....I've itched everything i've had to itch so far....lol. I'm Good for now...lol. Once I get the BCE, I'm pretty much set on the cards.

Bank of America Cash Rewards Visa Sig-15k
Chase Sapphire Reserve Visa Infinite-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Message 12 of 37
zeusta20
Established Contributor

Re: BCE decline :( at least I got approved for Chase Freedom with a "decent" limit.


@myjourney wrote:

@zeusta20 wrote:

So...A few days ago, I apped for the BCE and got denied. So bummed out! I was sure that I was going to get approved! I have NO baddies. Tried to call to find the reason, and from what the rep told me, they have their own little "risk" score. She told me a bunch of small little reasons, but to be honest, I can't remember them all so i'm going to have to wait until I get the letter.

 

Since I got denied, I apped for the Chase Freedom card. Was approved for 2k. Called and got it up to 4k.

 

At least I got a CLI....I still want the BCE though! I thought i'd be able to get it since my credit isn't bad, and since I've already got my foot in the door with the Amex Green! Oh well....Guess its time to wait it out :-/


Wait a minute what happen to the garden...Lol joking


I KNOW!!! LOL....I was doing so well until one day, I checked my mailbox....lmao.

Bank of America Cash Rewards Visa Sig-15k
Chase Sapphire Reserve Visa Infinite-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Message 13 of 37
soILseminole
Contributor

Re: BCE decline :( at least I got approved for Chase Freedom with a "decent" limit.

zeusta,

did u have any hassle getting your initial CL increased? I may need to do this tomorrow
Current: |MyFico TU-766| |MyFico EQ-737| |Amex EX-736| (May '13)
Message 14 of 37
enharu
Super Contributor

Re: BCE decline :( at least I got approved for Chase Freedom with a "decent" limit.

thanks for the info!

I am gonna call lending services in the morning to see if they can tell me anything about me applying for another card with Chase right now.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 15 of 37
myjourney
Super Contributor

Re: BCE decline :( at least I got approved for Chase Freedom with a "decent" limit.

That dam mailman made me do it....Smiley Embarassed

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 16 of 37
zeusta20
Established Contributor

Re: BCE decline :( at least I got approved for Chase Freedom with a "decent" limit.


@soILseminole wrote:
zeusta,

did u have any hassle getting your initial CL increased? I may need to do this tomorrow

No...Not really to be honest.

Bank of America Cash Rewards Visa Sig-15k
Chase Sapphire Reserve Visa Infinite-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Message 17 of 37
zeusta20
Established Contributor

Re: BCE decline :( at least I got approved for Chase Freedom with a "decent" limit.


@myjourney wrote:

That dam mailman made me do it....Smiley Embarassed


He did...lol. haha.

Bank of America Cash Rewards Visa Sig-15k
Chase Sapphire Reserve Visa Infinite-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Message 18 of 37
zeusta20
Established Contributor

Re: BCE decline :( at least I got approved for Chase Freedom with a "decent" limit.


@enharu wrote:

thanks for the info!

I am gonna call lending services in the morning to see if they can tell me anything about me applying for another card with Chase right now.

 


Do it! I mean, from the looks of your signature, I don't think you'd have a problem AT ALL.

Bank of America Cash Rewards Visa Sig-15k
Chase Sapphire Reserve Visa Infinite-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Message 19 of 37
dodgerslv
Valued Contributor

Re: BCE decline :( at least I got approved for Chase Freedom with a "decent" limit.


@zeusta20 wrote:

@dodgerslv wrote:

@zeusta20 wrote:

So...A few days ago, I apped for the BCE and got denied. So bummed out! I was sure that I was going to get approved! I have NO baddies. Tried to call to find the reason, and from what the rep told me, they have their own little "risk" score. She told me a bunch of small little reasons, but to be honest, I can't remember them all so i'm going to have to wait until I get the letter.

 

Since I got denied, I apped for the Chase Freedom card. Was approved for 2k. Called and got it up to 4k.

 

At least I got a CLI....I still want the BCE though! I thought i'd be able to get it since my credit isn't bad, and since I've already got my foot in the door with the Amex Green! Oh well....Guess its time to wait it out :-/


Sorry to hear about BCE zues but Congrats on Chase!....how long have you been with AMEX?


I know! I'm so bummed...I've been with amex for about 10 months now. I opened my account with AMEX 06/01/12


with the cards you have on your siggy i cant believe they denied your application...well at least it wasnt a HP. I wanted to apply for the costco TE and BCP once i reach 6 months with my green charge card but now im thinking if i should wait longer.

gardening since 5/21/2016
Message 20 of 37
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