My credit went up over 100 points in 2 weeks and I got approved for the amex i wanted

For just about anything you want to get off your chest about credit cards.
3 posts
xcrusher10101
Green Member
Green Member
 
Posts: 10
Joined: Fri Feb 27, 2015 12:57 pm
Location: usa

My credit went up over 100 points in 2 weeks and I got approved for the amex i wanted

Postby xcrusher10101 » Mon Mar 16, 2015 12:33 pm

thanks for your help guys. as of when i made the thread asking for help about 2 weeks ago, i had a 641 TU and I check today and I'm at 752. Kind of surprised that it went up by that much but I saw the I had a fair chance to apply for the amex cash and I did it. only regret is that I wish I had applying for the preferred instead of the everyday. would I have to apply again (which I don't want to do) or if I called them and requested it would they do it without pulling my credit reports again? it's not a big deal though, i can live without the extra % back.
also my equifax score is still at 623 because it says I'm over the limit even though it was paid. does it just take longer for equifax to update?


User avatar
PlyrStar93
Centurion Member
Centurion Member
 
Posts: 410
Joined: Wed Jun 04, 2014 1:06 pm
Location: Chicago

Postby PlyrStar93 » Mon Mar 16, 2015 12:46 pm

You should be able to apply for BCP again now, but they may treat it as a duplicate application and cancel it. I have had BCE for over a year, which works quite well for me since it does not have annual fee, and my spending is not so much. I can see the BCP application link, so supposedly I should be able to have BCE and BCP simultaneously.

Anyways if you spend a lot on grocery and gas, then you can simply do a conversion so there won't be new hard pull and such, but there is saying that you need to wait 1 year before being able to convert (CARD Act prevents banks from increasing fees within the first year of account opening).

For the Equifax score problem, you can pull your latest credit report and see how it looks like. Obviously most of the time reports will not get updated as soon as you make payment.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

xcrusher10101
Green Member
Green Member
 
Posts: 10
Joined: Fri Feb 27, 2015 12:57 pm
Location: usa

Postby xcrusher10101 » Mon Mar 16, 2015 12:53 pm

PlyrStar93 wrote:You should be able to apply for BCP again now, but they may treat it as a duplicate application and cancel it. I have had BCE for over a year, which works quite well for me since it does not have annual fee, and my spending is not so much. I can see the BCP application link, so supposedly I should be able to have BCE and BCP simultaneously.

Anyways if you spend a lot on grocery and gas, then you can simply do a conversion so there won't be new hard pull and such, but there is saying that you need to wait 1 year before being able to convert (CARD Act prevents banks from increasing fees within the first year of account opening).

For the Equifax score problem, you can pull your latest credit report and see how it looks like. Obviously most of the time reports will not get updated as soon as you make payment.


thanks i guess i'll just have to call and find out. i made the payment some time ago and I think that's the reason why my TU went up so high. credit limit was 15k and we were at about 17k so that's the reason why my equifax is so low i believe. it still shows I'm over the limit. anyways i got the credit card that I wanted and won't have to worry about getting any new ones for a year or two. thanks.



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 0 guests