Reply
Contributor
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
Posts: 24,845
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- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
90 Cards and Counting :smileytongue:
Contributor
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
Posts: 24,845
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- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
90 Cards and Counting :smileytongue:
Contributor
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
Posts: 24,845
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- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
90 Cards and Counting :smileytongue:
Contributor
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
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


Take the FICO Fitness Challenge
Contributor
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
Posts: 24,845
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- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
90 Cards and Counting :smileytongue:
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.