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AMEX Personal Loan and BBC close together?

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Ardecko
Frequent Contributor

AMEX Personal Loan and BBC close together?

I noticed I was pre-approved for an AMEX personal loan. I intend to accept the offer. I also want to get the Blue Business Cash.

 

(I currently have a BCE 20K CL with no balance, and a CM 11K CL and no balance.)

 

Anyone have experience on what order I should try to get them in, or how close together I can get them without triggering AA, 4506-T, or FR?

 

I'm thinking I should accept the loan first, to lock it in.

2017-09-09 FICO 08: EQ 677, TU 640, EX 705
2020-02-07 FICO 08: TU 789
2020-02-10 FICO 08: EX 752

Gardening, mostly, again until... soon(I need to replace my car)

1 REPLY 1
tcbofade
Super Contributor

Re: AMEX Personal Loan and BBC close together?

I agree.

 

As the loan is by invite only, I'd apply for the loan and do nothing else until the loan is funded.

 

THEN apply for whatever else you'd like.... You might get a denial, but you might get an approval.  I wouldn't worry about any AA tho.  Amex is better than that.

 

Good luck!

Fico 8 06/01/26: EX 791, EQ 819, TU 808.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...
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