01-22-2013 06:25 PM
Hello everybody, I'd just like to let everyone know that I got instantly approved for the Blue Cash Everyday Card! It all started because AMEX kept sending me pre-selected letters in the mail for all of their cards ranging from gold and green, to Zinc and Blue Sky. So I finally get the pre-selected letter for the Blue Cash Everyday, a card that I'm actually interested in, and got instantly approved!!!
My credit (Equifax) consists of the following at the time I applied:
22 years old
Oldest account opened 12/2009
Income I put: $30,000
Chase Freedom (5/2010): $4,500
Chase Sapphire (6/2012): $5,000
Chase Student (12/2009): $1,500
Discover More (1/2011): $1,500
All low Utlization (4-6%) and instantly approved
Ford Credit New Auto Loan (2/2012): $18,000 remaining balance
Ford Credit Used Auto Loan (4/2012) (Co-sign): $9,500 remaining balance
Not sure what my scores are, but right now I don't care! LOL
Prior to appliying with AMEX, I got denied by Citi for their AT&T Rewards & Savings Card. I'm still fighting with them now; it is up in Citi Executive Review being processed. Denied for too many inquiries (14 INQs in the past 2 years, 6 in the last year). Had a very nice lady saying she will get back to me in a few days. We exchanged direct phone numbers to stay in contact. Who knows, maybe I'll get 2 CCs within a month! Either way I'm still excited! It goes to show that if one denies you (especially for a dumb reason), another will gladly approve you. I was honestly worried about the INQs, but eventually went and bite the bullet. I will keep you guys posted on the CL for AMEX, and the status with Citi.
01-22-2013 06:35 PM
Damn, 3+ years of credit to get preapproval for BCE?!?! I got a long way to go LOL
01-22-2013 06:43 PM
The BCE is a great card! Congrats on your approval!
01-22-2013 06:57 PM
01-22-2013 07:03 PM
01-22-2013 07:05 PM
Well at the time that I opened it (12/2009), Chase had this card called the Chase +1 Student Card. I work for Chase, they discontinued it. The freedom would be the next card closest to it.
01-22-2013 07:22 PM
01-22-2013 08:07 PM
Wow that's a great approval! Did you get a targeted signup bonus offer or the normal 100$ one on their site?
+1. I was also wondering the same thing. The targeted offer is $250 instead of $100.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.