Approval chances for BCP?

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Green Member
Green Member
Posts: 5
Joined: Sun Feb 24, 2013 3:08 pm
Location: NYC

Approval chances for BCP?

Postby RoyalFlush » Mon Feb 25, 2013 12:28 pm

Can I have some opinions on my approval chances for the BCP card with my credentials below?

UTIL: 15%
TU: 764
EX: 741
Baddies: 0
Oldest: 7.3 years
Average: 5.8 years
Hard Inquiries: 1
Loans : 1 (Auto)
Credit Cards: 1 ($5k)

Centurion Member
Centurion Member
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Tue Feb 26, 2013 4:44 pm

Based on what you said, pretty good. I see no red flags or issues of concern. That assumes your 5k card isn't something like First Premeire and that you haven't burned Amex and don't have a BK or other legal action on your reports - with your scores I ASSUMED you don't.

I would say you have very good odds, no guarantees in life on anything other than death and taxes but if I was betting, I'd bet on you being approved, based on what you said.

Centurion Member
Centurion Member
Posts: 532
Joined: Thu Jan 17, 2013 7:20 pm
Location: United States

Postby Sevenfeet » Tue Feb 26, 2013 7:01 pm

I'd say you're looking pretty good.
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)

Green Member
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Posts: 5
Joined: Sun Feb 24, 2013 3:08 pm
Location: NYC

Postby RoyalFlush » Tue Feb 26, 2013 8:49 pm

My 5k card is a Visa Platinum from my local credit union. I’ve never been with Amex, and don’t have a BK or any other legal actions.

Should I ask for a CLI to $10k prior to applying for an Amex? Would that help my application since it’s a higher CL, or hurt it since it’s an added inquiry?

I was looking over my reports, and I either read the inquiries incorrectly or posted them wrong. I have one from EX that dates 7/11, and two from TU dating 6/11 and 11/11. Is this a huge factor? Should I (Would it benefit me) wait until November when all inquiries are off my reports?

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