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Contributor
Raziel77
Posts: 91
Registered: ‎02-03-2009
0

American Express Blue Cash credit card

[ Edited ]

Here is a quick summary for my credit history

 

My oldest account is 1 year old with a $1500 CL, HSBC card

 

Second account is 6 months old with CL 400, Kohls credit card.

 

pay in full each month, my score is as follows:

 

TU FICO: 738

EQ FICO: 721

EX "PLUS Score";: 732

 

I will apply soon to American Express Blue Cash credit card, what are my chances to get approved? should I wait? If I was denied, will I be considered for another AMex card automatically, or I should re-apply again and get another hit in my report? or maybe I should apply from the begining to an easier card.

 

I appreciate your help

TU: 738
EQ: 721
EX: 732 Plus score
Epic Contributor
Creditaddict
Posts: 21,673
Registered: ‎10-23-2007
0

Re: American Express Blue Cash credit card

I would apply for a charge card, if that is approved, go right back in and apply for the blue, will be same inq if on same day. if you are approved for charge but not blue, wait 6 months with charge card history and try again

Fico Scores: EQ- 653 Cap1., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
65 Cards and Counting :smileytongue:
Contributor
Raziel77
Posts: 91
Registered: ‎02-03-2009
0

Re: American Express Blue Cash credit card

Thank you so much, it is a great idea, which one of the Amex cards is the charge card you refer to? If my approval to the charge card wasn't instant, will American Express allow me to switch it to the Blue Cash later?
TU: 738
EQ: 721
EX: 732 Plus score
Epic Contributor
Creditaddict
Posts: 21,673
Registered: ‎10-23-2007
0

Re: American Express Blue Cash credit card

I would apply for the highest level gold card which is $175 a year but free for 1 year, then after 1 year you could product change to zync for $20 a year.

you would not however be able to product change to a credit card from charge card

Fico Scores: EQ- 653 Cap1., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
65 Cards and Counting :smileytongue:
Contributor
Raziel77
Posts: 91
Registered: ‎02-03-2009
0

Re: American Express Blue Cash credit card

Now, what are Amex CHARGE cards?

TU: 738
EQ: 721
EX: 732 Plus score
Epic Contributor
Creditaddict
Posts: 21,673
Registered: ‎10-23-2007
0

Re: American Express Blue Cash credit card

you pay in full each month

Zync, Green, Gold, Platinum

Fico Scores: EQ- 653 Cap1., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
65 Cards and Counting :smileytongue:
Contributor
Raziel77
Posts: 91
Registered: ‎02-03-2009
0

Re: American Express Blue Cash credit card

Thanks
TU: 738
EQ: 721
EX: 732 Plus score
New Member
Twix87
Posts: 4
Registered: ‎01-29-2009
0

Re: American Express Blue Cash credit card

I applied for that exact Amex blue cash card. I ended up getting declined and decided to apply for the Amex with Bank of America. Luckily they approved me with a start of 2K.

 

 

 


Starting Score: 722
Current Score: 744
Goal Score: 800


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Contributor
Raziel77
Posts: 91
Registered: ‎02-03-2009
0

Re: American Express Blue Cash credit card

:smileymad: so I should forget it, my scores are less than yours

TU: 738
EQ: 721
EX: 732 Plus score
Epic Contributor
Creditaddict
Posts: 21,673
Registered: ‎10-23-2007
0

Re: American Express Blue Cash credit card

my friend with a 630 score was approved for a gold card

Fico Scores: EQ- 653 Cap1., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
65 Cards and Counting :smileytongue:

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