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Super Contributor
Ron1
Posts: 5,458
Registered: ‎05-23-2009
0

Blue From American Express Has Been Approved!!!!!

I was bored this afternoon. I decided to apply for card. I chose to apply between US Bank OfficeMax Visa Signature Card and Blue from American Express. Finally, I decided to go for Blue instead of OfficeMax Visa Signature Card from US Bank. I think the Blue is much good looking card than OfficeMax. I took a bullet to apply the card. I filled out all the info on the application and I clicked the submit button. It came back the following message:

 

 

Congratulations Ron, your application is approved!:smileyvery-happy:

We are excited to welcome you to Card membership and all the benefits and services that come with your Card. You should receive your Card in the mail in the next 7 to 10 days. For your protection, your Card will arrive in a plain white envelope from Omaha, NE.

Your credit line is $7800

Once you receive your Card, activate online at www.americanexpress.com/activate and enroll to manage your account. Online account management from American Express is a fast, easy and secure way to monitor and manage your spending. 

 

I was shocked.:smileysurprised: I didn't think they would approve me because I was denied by Nationwide last week.

 

 

Ron. 

Super Contributor
DI
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Blue From American Express Has Been Approved!!!!!


Ron1 wrote:

I was bored this afternoon. I decided to apply for card. I chose to apply between US Bank OfficeMax Visa Signature Card and Blue from American Express. Finally, I decided to go for Blue instead of OfficeMax Visa Signature Card from US Bank. I think the Blue is much good looking card than OfficeMax. I took a bullet to apply the card. I filled out all the info on the application and I clicked the submit button. It came back the following message:

 

 

Congratulations Ron, your application is approved!:smileyvery-happy:

We are excited to welcome you to Card membership and all the benefits and services that come with your Card. You should receive your Card in the mail in the next 7 to 10 days. For your protection, your Card will arrive in a plain white envelope from Omaha, NE.

Your credit line is $7800

Once you receive your Card, activate online at www.americanexpress.com/activate and enroll to manage your account. Online account management from American Express is a fast, easy and secure way to monitor and manage your spending. 

 

I was shocked.:smileysurprised: I didn't think they would approve me because I was denied by Nationwide last week.

 

 

Ron. 


Congratulations Ron! Nice credit line!  Do a product change to Blue Cash after two months.   AMEX will be happy change it for you 

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Epic Contributor
haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
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Re: Blue From American Express Has Been Approved!!!!!

[ Edited ]
Blue Cash is not particularly useful unless you're ready to make it your go-to card and run a TON of money through it.

The rewards increments are really slow, and it starts all over again every Jan 1. It takes a good while just for everything to average out to 1%. But I've seen those with large families who use it for everything (gas, groceries, utilities, clothes, you name it) who do very well.

I ran the numbers for my situation, back in the day, and it just didn't make sense. :smileywink:

Ah! took some looking, but here's a way of predicting when your break-even point would be:

Blue Cash Calculator

Remember, all this has to occur within a calendar year.


eta: Oh, sorry, Ron1, congratulations! :smileyvery-happy:
Message Edited by haulingthescoreup on 02-01-2010 04:21 AM
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Regular Contributor
FocusOnFICO
Posts: 180
Registered: ‎05-01-2009
0

Re: Blue From American Express Has Been Approved!!!!!

Hauling's point is well taken.  Ron 1--it depends on your goals.  If you have thought the rewards through, and the Blue works better for you, excellent.

 

I carry the Blue Cash because I knew I would have the charges to justify the high thresholds.  This year, PenFed is my go-to card, because when I project my charges, mathematically PenFed gives the superior return according to my goals.

 

Well done, Ron1 -- enjoy your membership with Amex.


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Super Contributor
Ron1
Posts: 5,458
Registered: ‎05-23-2009
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Re: Blue From American Express Has Been Approved!!!!!

Thanks to you all. I think my Costco Amex will earn more cash back than Blue Cash. I hate tier rate like Discover Card. I don't want to worry about Amex F/R by charging a lot on the card. I usually carry my Costco Amex for dining out and gas and Best Buy RZMC Platinum for fast food (places didn't take Amex). I get the card because it is a looking card and in case my brother cancel Costco Mambeship in the future. So I have extra backup card to use. By the way, I don't rely on Amex and I always carry some other credit card. 

 

 

Thanks for all your reply.

 

Ron. 

Established Contributor
Ulan
Posts: 790
Registered: ‎09-09-2008
0

Re: Blue From American Express Has Been Approved!!!!!


haulingthescoreup wrote:
Ah! took some looking, but here's a way of predicting when your break-even point would be:

Blue Cash Calculator

That's interesting. I have never seen that one before, thanks! I guess, according to Amex, I'm a super-low spender :smileywink:. The "Compare" feature even suggests I should get a Chase Freedom :smileyvery-happy:.

Established Contributor
Ulan
Posts: 790
Registered: ‎09-09-2008
0

Re: Blue From American Express Has Been Approved!!!!!


Ron1 wrote:

Thanks to you all. I think my Costco Amex will earn more cash back than Blue Cash.


Yes, the Costco Amex is really good if you don't spend very much (and are a Costco member, of course).

Super Contributor
Ron1
Posts: 5,458
Registered: ‎05-23-2009
0

Re: Blue From American Express Has Been Approved!!!!!

I only have the card for 6 months and I already got $100 by using dining and gas purchase. I don't have to worry about F/R.

 

 

Ron. 

Super Contributor
Ron1
Posts: 5,458
Registered: ‎05-23-2009
0

Re: Blue From American Express Has Been Approved!!!!!

I also like to use my Chase Freedom to pay utilities and I already got $50 check once.

 

 

Ron. 

Frequent Contributor
ladydi
Posts: 278
Registered: ‎10-17-2009
0

Re: Blue From American Express Has Been Approved!!!!!


Ron1 wrote:

I also like to use my Chase Freedom to pay utilities and I already got $50 check once.

 

 

Ron. 


 

all i can say is congrats!!!! cant say muc, im no where close to their family yet...lol   :smileyvery-happy:

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