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Regular Contributor
Posts: 242
Registered: ‎02-22-2012
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Amex Blue Cash

I live in Missouri. Any idea what report they pull? Do you think I would have a shot with my scores? Really looking for a card to make a balance transfer to.

Current Score: FICO EQ660-TU671-EX681
Wallet: Cap One Rew. $3500, Cap One Plat. $2250, Barclay $3000, Old Navy Visa $2500, HSBC $2000, Credit One $2500, BoA $3000, Chase Freedom $1500, Slate $900, Wal-Mart Discover $2500-STORE CARDS: Amazon $3100, Lowes $2000, Kay's $7600
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Posts: 27,207
Registered: ‎09-13-2012
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Re: Amex Blue Cash

Amex generally pulls Ex but will pull all 3 if borderline. The Chase Slate is a much better card for BTs. I wouldn't recommend doing a BT with Amex.

What is your util?
Regular Contributor
Posts: 242
Registered: ‎02-22-2012
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Re: Amex Blue Cash

It's currently 26%. The scores below were reported when it was 45%, so when they update next week I should get a little bump.
Current Score: FICO EQ660-TU671-EX681
Wallet: Cap One Rew. $3500, Cap One Plat. $2250, Barclay $3000, Old Navy Visa $2500, HSBC $2000, Credit One $2500, BoA $3000, Chase Freedom $1500, Slate $900, Wal-Mart Discover $2500-STORE CARDS: Amazon $3100, Lowes $2000, Kay's $7600
Valued Contributor
Posts: 1,068
Registered: ‎03-16-2013
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Re: Amex Blue Cash

Like Lexie said the slate is good.  Also you can look at the citi diamond preferred 0% for 18 months on BT and purchases.

Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: Amex Blue Cash

26% isn't ideal but it depends on the rest of your file. Like I said and I agree with ezdoesit -Slate has no bt fees and DP is an alternative but they chg a bt fee
Regular Contributor
Posts: 242
Registered: ‎02-22-2012
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Re: Amex Blue Cash

I got denied last week for the DP. They are reconsidering, but I'm not holding my breath. That whole denial griped me as my wife was approved for it with a 600 FICO!
Current Score: FICO EQ660-TU671-EX681
Wallet: Cap One Rew. $3500, Cap One Plat. $2250, Barclay $3000, Old Navy Visa $2500, HSBC $2000, Credit One $2500, BoA $3000, Chase Freedom $1500, Slate $900, Wal-Mart Discover $2500-STORE CARDS: Amazon $3100, Lowes $2000, Kay's $7600
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Amex Blue Cash

Regular Contributor
Posts: 242
Registered: ‎02-22-2012
0

Re: Amex Blue Cash

When I applied I had the scores in the signature and the 44% utilization. They pulled my Equifax.
Current Score: FICO EQ660-TU671-EX681
Wallet: Cap One Rew. $3500, Cap One Plat. $2250, Barclay $3000, Old Navy Visa $2500, HSBC $2000, Credit One $2500, BoA $3000, Chase Freedom $1500, Slate $900, Wal-Mart Discover $2500-STORE CARDS: Amazon $3100, Lowes $2000, Kay's $7600
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Amex Blue Cash

I wouldn't app for Amex. If your reports are updated try Chase. Do you have any baddies?
Valued Contributor
Posts: 1,794
Registered: ‎07-01-2010
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Re: Amex Blue Cash


KeithW wrote:

I live in Missouri. Any idea what report they pull? Do you think I would have a shot with my scores? Really looking for a card to make a balance transfer to.


A few years ago, when Amex was still pushing BT offers, I applied for an Amex card and was approved with a generous CL.  When I tried to actually do the BT, it was declined.

 

I'd recommend talking to your local CU about this.  The Credit Card Connection site lists a bunch of highly-rated Missouri CUs.

 

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