Applied for BCE... Needs Further Review

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kcarter609
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Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Thu Jan 10, 2013 6:48 pm

UPDATE: So I just got an email from AMEX a couple hours ago saying my BCE was approved and is in the mail. They gave me a reference code, but I have no idea how to add it to my account so I can see anything about it... anyone know?

EDIT: Called AMEX, the CSR was and American and added it right away. $5k limit. No FR anymore I guess... I'm not complaining.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)


kcarter609
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Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Fri Jan 11, 2013 2:57 pm

Ok, since I'm actually going to get the card and use it now without a FR, what do you guys think I should do about the CLI? The initial limit is $5k.

I was thinking about using it as my primary card and running everything possible through it for the next 60 days or whatever, then applying for a CLI. I don't want them to even think about FR'ing me again though, so what's the best option? Is it even possible for me to get the full 3x at $15k?

Also, let's just say I did get the fucll 3x and got a $15k limit... if I apply for the CSP in the future will this hurt my chances of being approved due to the amount of available credit I'll have?

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

MemberSince99
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Location: WI

Postby MemberSince99 » Fri Jan 11, 2013 7:04 pm

No most likely Chase will see it as a plus. They won't be likely to give you a CSP without already having a 5k limit, which you have, but more is likely to be even more appealing to them from what I've heard. They only seem to care about your total limit with them. If anyone knows otherwise please correct me but that's what I've read a number of times.

MemberSince99
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Location: WI

Postby MemberSince99 » Fri Jan 11, 2013 7:05 pm

By the way how did you get out of an F/R? Hundreds of people would love to know that.

Jslimm1985
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Postby Jslimm1985 » Fri Jan 11, 2013 7:57 pm

That's awesome. Congrats.

As far as the 60 day CLI. I say go for it. I've read instances where a lot of members have went from 5k to 15k. At worst, you get a counteroffer. My situation is a tad bit different. I started with 10K on my BCE. I'm almost certain I won't ask for 3x. I don't mind being FR'ed but if I can avoid triggering one then I will.
Revolvers
Credit Union MC 3/2004 ($6K)
Capital One Platinum 3/2005 ($500) :mad:
Dell Financial Services CC 2/2007 ($2.5K)
USAA Cash Rewards World MC 10/2011 ($9.5K)
AMEX BCE 01/2013 ($10K)

Chargers
AMEX Gold 1/2011(NPSL)

EXP 721 (01/02/2013) Amex
EQU 695 (01/10/2013) PenFed
TU 705 (01/22/2013) MyFico

"Please don't thank me for serving, I want to thank you for letting me serve on your behalf"

Jslimm1985
Platinum Member
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Posts: 80
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Location: Fort Dix, NJ

Postby Jslimm1985 » Fri Jan 11, 2013 7:58 pm

MemberSince99 wrote:By the way how did you get out of an F/R? Hundreds of people would love to know that.


Yes. Inquiring minds would love to know......
Revolvers
Credit Union MC 3/2004 ($6K)
Capital One Platinum 3/2005 ($500) :mad:
Dell Financial Services CC 2/2007 ($2.5K)
USAA Cash Rewards World MC 10/2011 ($9.5K)
AMEX BCE 01/2013 ($10K)

Chargers
AMEX Gold 1/2011(NPSL)

EXP 721 (01/02/2013) Amex
EQU 695 (01/10/2013) PenFed
TU 705 (01/22/2013) MyFico

"Please don't thank me for serving, I want to thank you for letting me serve on your behalf"

kcarter609
Centurion Member
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Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Fri Jan 11, 2013 10:32 pm

MemberSince99 wrote:By the way how did you get out of an F/R? Hundreds of people would love to know that.


I'd like to know myself... I went off on the first CSR I talked to that told me I was being F/R'd for about 10 minutes, then eventually just hung up on him. Tried the 2nd CSR and got nothing more than a "You will have to just wait for the mail to come" since he is Indian. Then I got an email saying it was approved... I'm ALMOST thinking the first guy just messed up and ASSUMED it was a F/R, since that's the only thing that makes sense at this point. Or some human looked at my history with AMEX and my credit report and decided there was no valid reason to F/R me... Either way, I don't know the answer, and I don't want to poke the sleeping bear and have someone decide they actually do need to F/R me for real.

Jslimm1985 wrote:That's awesome. Congrats.

As far as the 60 day CLI. I say go for it. I've read instances where a lot of members have went from 5k to 15k. At worst, you get a counteroffer.


No, at worst they actually force me to fill out a 4506T this time (unless there is something I don't know about), which I'm trying to avoid.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

Jslimm1985
Platinum Member
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Posts: 80
Joined: Wed Sep 05, 2012 8:13 am
Location: Fort Dix, NJ

Postby Jslimm1985 » Fri Jan 11, 2013 10:47 pm

No, at worst they actually force me to fill out a 4506T this time (unless there is something I don't know about), which I'm trying to avoid.[/QUOTE]

I don't know anything honestly. I've read in certain forums that 25k-30k is the figure that catches the interest of Amex and possibly could trigger a FR. like I said, I think you'll be fine going from 5k to 15k.
Revolvers
Credit Union MC 3/2004 ($6K)
Capital One Platinum 3/2005 ($500) :mad:
Dell Financial Services CC 2/2007 ($2.5K)
USAA Cash Rewards World MC 10/2011 ($9.5K)
AMEX BCE 01/2013 ($10K)

Chargers
AMEX Gold 1/2011(NPSL)

EXP 721 (01/02/2013) Amex
EQU 695 (01/10/2013) PenFed
TU 705 (01/22/2013) MyFico

"Please don't thank me for serving, I want to thank you for letting me serve on your behalf"

craigm1
Centurion Member
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Posts: 285
Joined: Wed Dec 01, 2010 8:44 pm
Location: toms river nj

Postby craigm1 » Sat Jan 12, 2013 5:22 pm

Jslimm1985 wrote:No, at worst they actually force me to fill out a 4506T this time (unless there is something I don't know about), which I'm trying to avoid.


I don't know anything honestly. I've read in certain forums that 25k-30k is the figure that catches the interest of Amex and possibly could trigger a FR. like I said, I think you'll be fine going from 5k to 15k.[/QUOTE]


I have the Blue cash and had a 25k limit and tried to go to $35k and they wanted an irs 4506t filled out so I told them to raise me to $30k and they said no problem so above $35k and they want your tax returns
Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
Chase Freedom CL 7.5k member since 04
Chase Marriot Rewards Premier CL 20k member since 13
Chase Sapphire Preferred CL 25K member since 13
Bank Americard Cash Rewards Signature Visa CL 14k member since 11
Discover Cashback Bonus $10.5k member since 11
US Bank Cash + Signature Visa 19k member since 12
Citibank Thank You Preffered World Mastercard $16.5k member since 14

kcarter609
Centurion Member
Centurion Member
 
Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Sat Jan 12, 2013 5:39 pm

craigm1 wrote:I don't know anything honestly. I've read in certain forums that 25k-30k is the figure that catches the interest of Amex and possibly could trigger a FR. like I said, I think you'll be fine going from 5k to 15k.



I have the Blue cash and had a 25k limit and tried to go to $35k and they wanted an irs 4506t filled out so I told them to raise me to $30k and they said no problem so above $35k and they want your tax returns[/QUOTE]

Good to know. I'll go for broke and apply for the full 3x with a $45k income. What have I got to lose now?

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)



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