Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 2,060
Registered: ‎11-17-2012
0

Re: Blue Sky 30,000, 0% Intro APR 15 months, worth it?


OptimalCS wrote:
Your decision depends a lot on your contentment and credit goals.

I totally understand the desire for the card. The questions I've been asking myself lately is: is this a card I ll end up closing in a few month or is it a keeper for the next 10+ years?

I'm in a gardening mode right now. Im anxious to hit that almighty 6 year AAoA mark. I'm at 4 yrs now.

Good luck!


"May the credit protect you"

Thanks!

 

I think for the time being, based on the bonus and usability of the card, it's a good fit.

 

- 1.3% effectively on non-category/dining purchases

- 30,000 point sign up bonus ($400 in travel), which is highest for this card and highest i've seen for their "blue" products

- 0% 15 month intro period i could utilize

- lowest interest rate offered on the card

- would add an AMEX to my arsenal, which was my gameplan for the future anyways

- do have some travel plans already in motion that i could apply the points to, and plans for future vacations i can use them for

 

although i had no plans to add an AMEX right away, the bonus is too sweet. i'm sure if this was an offer for a visa or mastercard, i would have tossed it, mostly because i already have 3 visas, one mastercard, and i felt "6" was the right mix of CCs until my credit scores soared up into the 800s. would also be nice to start the AMEX relationship early, so when i do hit or nearly hit that magic "perfect score" goal and feel like playing the credit card game, backdating would be fantastic!

 

also gives me an excuse to pull that Drive for Five out of my wallet and sockdrawer Smiley Tongue this AMEX offer has really opened my eyes to how much of a useless card that Shell is to me...


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | FICOS: EX 777 EQ 752 TU 764 VantageScore 3.0: EX 764 EQ 764 TU 766
Super Contributor
Posts: 6,236
Registered: ‎02-23-2011
0

Re: Blue Sky 30,000, 0% Intro APR 15 months, worth it?

Definitely worth it!

 

I'd sign-up for this in a hearbeat.  If you don't like it, just PC to a no-fee Blue the following year.

Valued Contributor
Posts: 2,060
Registered: ‎11-17-2012
0

Re: Blue Sky 30,000, 0% Intro APR 15 months, worth it?


Open123 wrote:

Definitely worth it!

 

I'd sign-up for this in a hearbeat.  If you don't like it, just PC to a no-fee Blue the following year.


I'm itching to sign up right now!!! I keep looking at the paperwork, going into the RSVP application, etc. etc....just want my credit report to look as nice as possible before I apply! Got 5 cards to bring to 0 balance and report (should be done on or around July 29th), and an inquiry to drop off of experian on August 7th.

 

Though I do have a question: for those who check their credit reports for inquiries, AMEX seems to be pulling TU for these targeted offers on me. But I've heard they mostly, if not exclusively, tend to pull EX if one pull is necessary.

 

Did anyone else notice their targeted offers from AMEX were pulling TU and then the hard pull was EX? or were all your pulls on EX? if you've noticed softs on TU, did they then pull TU for the app?


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | FICOS: EX 777 EQ 752 TU 764 VantageScore 3.0: EX 764 EQ 764 TU 766
Super Contributor
Posts: 6,236
Registered: ‎02-23-2011
0

Re: Blue Sky 30,000, 0% Intro APR 15 months, worth it?


daybreakgonesXe wrote:

Open123 wrote:

Definitely worth it!

 

I'd sign-up for this in a hearbeat.  If you don't like it, just PC to a no-fee Blue the following year.


I'm itching to sign up right now!!! I keep looking at the paperwork, going into the RSVP application, etc. etc....just want my credit report to look as nice as possible before I apply! Got 5 cards to bring to 0 balance and report (should be done on or around July 29th), and an inquiry to drop off of experian on August 7th.

 

Though I do have a question: for those who check their credit reports for inquiries, AMEX seems to be pulling TU for these targeted offers on me. But I've heard they mostly, if not exclusively, tend to pull EX if one pull is necessary.

 

Did anyone else notice their targeted offers from AMEX were pulling TU and then the hard pull was EX? or were all your pulls on EX? if you've noticed softs on TU, did they then pull TU for the app?


Is there an expiration date on the offer, such as "apply and approved by Aug 31?"  In that case, you should wait until after Aug 7th before applying.

 

Not sure about TU, but for me, Amex has always pulled Ex exclusively.

Valued Contributor
Posts: 2,060
Registered: ‎11-17-2012
0

Re: Blue Sky 30,000, 0% Intro APR 15 months, worth it?


Open123 wrote:

daybreakgonesXe wrote:

Open123 wrote:

Definitely worth it!

 

I'd sign-up for this in a hearbeat.  If you don't like it, just PC to a no-fee Blue the following year.


I'm itching to sign up right now!!! I keep looking at the paperwork, going into the RSVP application, etc. etc....just want my credit report to look as nice as possible before I apply! Got 5 cards to bring to 0 balance and report (should be done on or around July 29th), and an inquiry to drop off of experian on August 7th.

 

Though I do have a question: for those who check their credit reports for inquiries, AMEX seems to be pulling TU for these targeted offers on me. But I've heard they mostly, if not exclusively, tend to pull EX if one pull is necessary.

 

Did anyone else notice their targeted offers from AMEX were pulling TU and then the hard pull was EX? or were all your pulls on EX? if you've noticed softs on TU, did they then pull TU for the app?


Is there an expiration date on the offer, such as "apply and approved by Aug 31?"  In that case, you should wait until after Aug 7th before applying.

 

Not sure about TU, but for me, Amex has always pulled Ex exclusively.


Yup, August 19th, so I do have plenty of time for those changes to hit my reports and still get the bonus!

 

Okay, thanks for the advice! I'm gonna try to research and see if AMEX has been acting funky lately...i could've sworn I saw a post or two about AMEX doing one hard pull on anything but EX, but then again, I read so many posts on here I could be mixing it up with another CC company!


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | FICOS: EX 777 EQ 752 TU 764 VantageScore 3.0: EX 764 EQ 764 TU 766
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Blue Sky 30,000, 0% Intro APR 15 months, worth it?

Amex SP's me on EX only. It will be a nice fit for you.
Valued Contributor
Posts: 2,060
Registered: ‎11-17-2012
0

Re: Blue Sky 30,000, 0% Intro APR 15 months, worth it?


09Lexie wrote:
Amex SP's me on EX only. It will be a nice fit for you.

Hmm,. interesting! I guess I'll make sure EX and TU are up to date before pulling the trigger. May make a new thread later on to see the correlation between SP and HP from them and what bureaus they've been pulling recently. Thanks!


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | FICOS: EX 777 EQ 752 TU 764 VantageScore 3.0: EX 764 EQ 764 TU 766
Super Contributor
Posts: 6,236
Registered: ‎02-23-2011
0

Re: Blue Sky 30,000, 0% Intro APR 15 months, worth it?


daybreakgonesXe wrote:

09Lexie wrote:
Amex SP's me on EX only. It will be a nice fit for you.

Hmm,. interesting! I guess I'll make sure EX and TU are up to date before pulling the trigger. May make a new thread later on to see the correlation between SP and HP from them and what bureaus they've been pulling recently. Thanks!


Good luck!  That's a really nice offer you've got there.

Frequent Contributor
Posts: 319
Registered: ‎03-25-2013
0

Re: Blue Sky 30,000, 0% Intro APR 15 months, worth it?

there is no AF on Blue Sky

FICO EX 827, 2015 Feb; FICO EQ 836/900 (Citi), 2014 Dec; FICO TU08 818, 2015 Feb.

BofA Cash Rwrds Sig V 2013 10k; Fidelity Rewards AmEx /BofA 2013 15.4k; Chase Freedom Sig V 2002 24.1k; Chase Amazon Rwrds Sig V 2011 8k; Sam's Club MC 2002 10k; Dscvr It 2012 10k; Citi Dvdnd Plat Sel V 2013 8.9k; PenFed Plat Rwrds V 2013 20k; AmEx Blue Sky 2013 11.3k; AmEx BCP 2014 24.1k; Priceline Rwrds Sig V 2013 8.7k; PayPal Xtras GE Cap Plat MC 2012 5k

Valued Contributor
Posts: 2,060
Registered: ‎11-17-2012
0

Re: Blue Sky 30,000, 0% Intro APR 15 months, worth it?


oscar_actuary wrote:

there is no AF on Blue Sky


Yup! So definitely a worthwhile offer!

 

Depending if a trend shows that AMEX will pull TU and only TU, i could app earlier, since my last inquiry on there should drop off the 27th and everything should be in tip top shape by the 30th...but we shall see! If not i'll just wait for EX to finish dropping off that inquiry and jump on it!


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | FICOS: EX 777 EQ 752 TU 764 VantageScore 3.0: EX 764 EQ 764 TU 766

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

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.