Blue Cash Everyday from Amex

[Laura2323]

Hi everyone - Thought I would provide some information regarding my experience with Amex in terms of the BCE card.  I received a Zync card last year in May and felt lucky to receive that as I have a severe derogatory (a short sale from 2010) on my reports as well as five lates on a paid off car loan (payment was supposed to be deferred).  In any event, I estimate my score to be in the 600 to 640 range (it was 643 on myfico until today when I received an alert that it is now 623 - probably due to high utilization).  I applied for the BCE card last week and was approved after a couple of days.  Hopefully, this will give someone some hope that even if you do have some severe credit problems in the past, you can recover.  I have a range of cards now from Capital One and Credit One to Chase Freedom, Discover More and Blue Cash Everyday - think it is definately time to start closing some of the rebuilder cards!  lol 

[Crashem]

Wow that Zync card history really helped.  Goes to show you how much AMEX internal scoring values current relationship.  Did you use the Zync regularly or heavily?

[Laura2323]

Not really - the highest I ever charged on it was $165.00.  The best part is I had the Zync backdated to 1991 when I first got it so I will now have a second card backdated to that date.  This will definately help offset all the recent cards. 

[rootpooty]

how long did you have the zync?

[Laura2323]

A year.