Help needed for BCP / AMEX app(UPDATE WITH RESULTS )

[DavidZeng]

I thought about add another HP, since recently my HPs are really intense, one more HP will as well fall off around the same time period in the future? But if the chance is almost 0, I won't pull the trigger. 

[DavidZeng]

Actually I got my first credit card on 18 with bank pre-approved back in 2008 as well (hand-shake) with a quite great credit limit due to my family's long term relationship with that bank, but not in U.S.. 

[djc1puno]

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@DavidZeng wrote:

I thought about add another HP, since recently my HPs are really intense, one more HP will as well fall off around the same time period in the future? But if the chance is almost 0, I won't pull the trigger. 

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that is true, david...if you can live w that extra hp, go for it! you might as well see how you stack now and perhaps work on certain parts of your CRs if you are denied...gl

[DavidZeng]

Thanks for your advice, I may think about it~: But the credit limit for my current cards are too low. I'd like to kill my self for the transactions to appear and pay the balance.  Just need a decent limit.

[djc1puno]

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@DavidZeng wrote:

Thanks for your advice, I may think about it~: But the credit limit for my current cards are too low. I'd like to kill my self for the transactions to appear and pay the balance.  Just need a decent limit.

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i understand your concerns...sometimes its just best to let the ones you have now grow, show positive history, and lots of patience! you'll be better rewarded for it later

[djc1puno]

...and don't worry about the cls either...show positive history and the banks will trust you with higher limits...i know it can be a pain now with low limits, but you'll get there...thats what the garden area is for...growing what you have

[jamesdwi]

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@enharu wrote:
You could try applying for a charge card now, and then try your luck again for the BCP in the coming year. Once you are an Amex member, its sp if declined, hp if approved for future Amex apps. Your member since date will also reflect 2013 for future cards. Most importantly, it's also a good way to get your foot into the door.

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Charge card first, good to lock in your membership year.  I don't think AMEX is going to consider any card with a $500 limit a prime card, $500 limits from prime lenders are a sign, ok we gave you a chance, but we really don't trust you yet, give it 6 months or a year of history before you make any more chances in the prime lenders. Of course getting a good paying job will help things along as well.

[FinStar]

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@jamesdwi wrote:

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@enharu wrote:
You could try applying for a charge card now, and then try your luck again for the BCP in the coming year. Once you are an Amex member, its sp if declined, hp if approved for future Amex apps. Your member since date will also reflect 2013 for future cards. Most importantly, it's also a good way to get your foot into the door.

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Charge card first, good to lock in your membership year.  I don't think AMEX is going to consider any card with a $500 limit a prime card, $500 limits from prime lenders are a sign, ok we gave you a chance, but we really don't trust you yet, give it 6 months or a year of history before you make any more chances in the prime lenders. Of course getting a good paying job will help things along as well.

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+1

And what djc1puno mentioned in the above posts.

[DavidZeng]

+1

[DavidZeng]

Thank you for your advice, now I am with AMEX and got my BCP! THANK YOU!