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

Re: American Express Blue Cash credit card

Is getting the charge cards "like the gold one" easier than the blue cash?

TU: 738
EQ: 721
EX: 732 Plus score
Mega Contributor
Creditaddict
Posts: 18,807
Registered: ‎10-23-2007

Re: American Express Blue Cash credit card

yes charge card is much easier because you have to pay in full and amex can set limits as low as $500 to that charge card

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Contributor
Raziel77
Posts: 91
Registered: ‎02-03-2009

Re: American Express Blue Cash credit card

Sorry to ask again but can I apply to the Blue cash card, and if I got denied then I can apply to the Gold card in the same day, and it will be 1 hit to my credit report instead of two?

TU: 738
EQ: 721
EX: 732 Plus score
Mega Contributor
Creditaddict
Posts: 18,807
Registered: ‎10-23-2007

Re: American Express Blue Cash credit card

yes unless amex has changed there policy

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Contributor
Raziel77
Posts: 91
Registered: ‎02-03-2009

Re: American Express Blue Cash credit card

Thanks, you are awesome :smileyhappy:

TU: 738
EQ: 721
EX: 732 Plus score
Mega Contributor
Creditaddict
Posts: 18,807
Registered: ‎10-23-2007

Re: American Express Blue Cash credit card

let us know the answer!

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Contributor
Raziel77
Posts: 91
Registered: ‎02-03-2009

Re: American Express Blue Cash credit card

I hope other members with limited history like me will benefit from this post

 

In my first post I wrote my credit history, I'm waiting for my Kohls card to report the 0 balance "hopefully tomorrow" then I will apply to the Blue cash card and see what happens, if denied then I will try the Gold card.

 

I will update soon

TU: 738
EQ: 721
EX: 732 Plus score
Contributor
Raziel77
Posts: 91
Registered: ‎02-03-2009

Re: American Express Blue Cash credit card

[ Edited ]

Oh my God, I'm so happy, they approved me for the Blue Cash one from the first trial :smileyhappy: :smileyhappy: :smileyhappy: :smileyhappy:

 

Not much credit limit $2000 only but it is better than to be denied. they said I will receive card in mail but I didn't get any email confirmation

 

Do Amex do auto CL increase or I have to call them every 6 months and request it from them?

 

Thanks all for your help :smileyhappy:

 

 

Update: they pulled from all 3 credit bureaus... not complaining at all...

TU: 738
EQ: 721
EX: 732 Plus score
Mega Contributor
Creditaddict
Posts: 18,807
Registered: ‎10-23-2007

Re: American Express Blue Cash credit card

you can request 3x current limit every 6 months

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Contributor
Raziel77
Posts: 91
Registered: ‎02-03-2009

Re: American Express Blue Cash credit card

cool, will the CLI result in a hard inquiry in my report? and if I didn't request it, will they do it automatically after 1 year?

 

Thanks

TU: 738
EQ: 721
EX: 732 Plus score

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+