cancel
Showing results for 
Search instead for 
Did you mean: 

Want that BCP...Do you think I can get it?

tag
pt310
Frequent Contributor

Want that BCP...Do you think I can get it?

Ok. So here’s where I’m at:

 

6/13     MyFico EQ 738           5 inq. (3 < 1yr.)           46 pt bump last night!!  Smiley Surprised

6/14     MyFico EX 739            1 inq. (0 < 1yr.)

6/7       Wally   TU 715             2 inq. (1 < 1yr.)

 

I currently hold:

 

Disover IT       $5,500 (not reporting yet)    5/2013

Local  CU       $2,500                                     5/2013

VS                    $1,000 (not reporting yet)    5/2013

Wally                $2,500                                    5/2013

Chase             $2,500                                    8/2006

C1 (HSBC)     $1,200                                    12/2006

Barclay            $2,900                                     2/2008

C1                    $1,250                                     2/2008

C1 Rew.          $2,750                                     9/2010

C1 (HSBC)     $1,150                                     2/2008

BofA                $   500                                      7/2011

 

Total CL Available   $22,500.

 

Util currently reporting @ +- 12%, but is actually around 22% (BT onto the IT at 0%!)

 

Since my last baddie was removed earlier this week, all three reports are clean. No lates, no baddies. I can’t find AAoA on the reports, but EQ shows 14 years history, and EX shows 16.                  

 

I’m really looking hard at the BCP. I would love that 6% on groceries!

 

I guess I’m just trying to determine my chances of getting it. I think I may only have a small window of opportunity before the Discover reports, but OTOH, maybe I should let it report first, as it is my highest CL…?

 

I’m also contemplating closing some of my lower CL cards that have AF, but no rewards. (Except the last C1 card, I added my 17yo DD as AU to get her started on her journey.) But then again, it would be of more benefit for her down the road to add her to the Amex if I can get it.

 

Thoughts, please?

 

Thank you all so much!

 

Message 1 of 24
23 REPLIES 23
Ailee92
Member

Re: Want that BCP...Do you think I can get it?

if you don't get approved I'll be honestly surprised.

Message 2 of 24
pt310
Frequent Contributor

Re: Want that BCP...Do you think I can get it?

Thanks for the vote of confidence Ailee!

 

After years of rebuilding after a particularly bad marriage and divorce, I guess I'm just not that confident in myself.

 

If (when) I do apply, does anyone know if it's better by phone or online?

 

Thanks again!

Message 3 of 24
jamesdwi
Valued Contributor

Re: Want that BCP...Do you think I can get it?

Should be good for approval, but with all that new credit popping up they may deny you at 61 days for a CLI, but after 6 months, they should give you the CLI if everything else is fine.

 

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 4 of 24
pt310
Frequent Contributor

Re: Want that BCP...Do you think I can get it?

Ok. I did it...OMG!

 

Instant approval!!!

 

How do I find out my CL, tho? I don't want to have to wait until the card comes...

 

Also, do they expedite if you ask?

 

Guess I'm back to day 0 in the garden.

Message 5 of 24
nicholasyud
Valued Contributor

Re: Want that BCP...Do you think I can get it?

Your change getting approved very highly.

If i can afford the HP then yeah go for it man.

There's $250 bonus from creditcard. com link for BCP. It's could help the AF for a good 3 years Smiley Very Happy

Starting Score: 560
Current Score: ?
Goal Score: 800
Message 6 of 24
myjourney
Super Contributor

Re: Want that BCP...Do you think I can get it?


@pt310 wrote:

Ok. I did it...OMG!

 

Instant approval!!!

 

How do I find out my CL, tho? I don't want to have to wait until the card comes...

 

Also, do they expedite if you ask?

 

Guess I'm back to day 0 in the garden.


Congrats WTG

Your day pass expires at 3pmSmiley LOL

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 7 of 24
lg8302ch
Senior Contributor

Re: Want that BCP...Do you think I can get it?

Congrats!  For the CL you will soon get an email with a reference to  set up the online account and then you can see the CL. Or you might consider calling? You will love that card Smiley Happy

Message 8 of 24
nicholasyud
Valued Contributor

Re: Want that BCP...Do you think I can get it?

congrat call their new account number on the backdoor number. They should tell u what your limit.....Did you get the $250 bonus thou ??

Starting Score: 560
Current Score: ?
Goal Score: 800
Message 9 of 24
pt310
Frequent Contributor

Re: Want that BCP...Do you think I can get it?

Thanks everyone!

 

No, I didn't get that $250 bonus. I had already app'ed before I saw your message..Smiley Sad

 

But I do still get the $150 intro bonus on the 3 months spending. I'll take it!

 

@myjourney - turning in my day pass early...I'm done! Thanks!

 

Now I gotta go find that phone #....

Message 10 of 24
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.