- Centurion Member
- Posts: 262
- Joined: Tue Jul 01, 2014 8:59 pm
- Location: Jacksonville, FL
CarefulBuilder14 wrote:Digging up a little ancient history here...
I applied for the BCE yesterday and was instantly approved. They definitely pulled EX but not TU. I don't know about EQ yet.
I checked today and the limit is $6k, which is more than the $3k or $4k I was expecting. Now that I've passed the $5k mark, perhaps I can look forward to throwing out junk mail ads for nicer cards now.
2.5 months of an Amex charge card and 9 months of total credit history may be on the short side for getting an Amex credit card. I'm sure having investments helped, as well as using the card pretty regularly - averaging about 5 swipes a week. I also paid in full every 4 or 5 days.
Edit: I don't know the APR, either, so I might not have gotten the best available terms.
I think that AmEx is more willing to overlook a short history than most other lenders. I got accepted for both of my AmEx revolvers with pretty good limits at 10 months of credit history, and just got accepted for the Platinum at 11 months of history. My income is the same as yours, but my assets are pitiful. Congrats on the BCE! Great card, I love mine.
FICO TU - 728 - 8/14
FICO EX - 716 - 7/14
FICO EQ - 740 - 7/14
Bank of America Cash Rewards - $2,400
Best Buy - $3,000
American Express Blue Cash Everyday - $8,000
American Express Everyday - $10,000
Discover It Chrome - $500 (AU on fiancÃ©e's card, helping her build credit)
American Express Platinum - NPSL
Barclaycard Arrival+ - $3,000
Capital One Yamacard - $11,000