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I really want the amex blue cash evryday.
I have had an amex prem. rewards gold charge card for almost 18 months( use very month and pay in full every month)400-1000 monthly
I have a cap one rewards card ($500 CL) balance $120.
Discover more card ($1700 CL) balance $650
and the amex is currently at 0
before I apply for amex BCE I will pay off the capone card and cut the discover balance in half.
my scores are 665-670 , 2 hard pulls 11 months ago, 1 late payment 6 years ago on auto loan
I have already got some advice on here about this, just wanted more input. anyone else have luck getting BCE after having a charge card reationship?
@rob81 wrote:I really want the amex blue cash evryday.
I have had an amex prem. rewards gold charge card for almost 18 months( use very month and pay in full every month)400-1000 monthly
I have a cap one rewards card ($500 CL) balance $120.
Discover more card ($1700 CL) balance $650
and the amex is currently at 0
before I apply for amex BCE I will pay off the capone card and cut the discover balance in half.
my scores are 665-670 , 2 hard pulls 11 months ago, 1 late payment 6 years ago on auto loan
I have already got some advice on here about this, just wanted more input. anyone else have luck getting BCE after having a charge card reationship?
Amex LOVES charge card customers getting credit cards... you waited way longer than you needed to probably!
I would get the BCP though!!!
and I would EO the capital one about a credit line increase and I assume you have AF and no rewards... I would ask for those things to change too
THanks ... yea I find it strange cap one hasnt increased my CL, I do have rewards on it but do not really care bc the CL so low. My AF is $35 and I accepted at the time bc it was my first card a few years ago
But back to the amex, I hear mixed things about how they treat charge card customers when applying to credit cards. I hope you are right though.
why the BCP though?
I was also wondering is it better to call when applying or just apply online? does this even make a difference? I have mixed feelings on this , just wondering your opinion?
@rob81 wrote:I was also wondering is it better to call when applying or just apply online? does this even make a difference? I have mixed feelings on this , just wondering your opinion?
BCP because I don't see how you can't make the AF worth it and if you really find you can't then downgrade next year but 6% grocery and bonus!
worse case you get denied, you already are a cardmember so it's just a SP.
Cap1 is looking like they are maybe starting to come around... but it's going to take Executive Office for this push to upgrade to Quicksilver and ask for a CLI to say $3k and remove that AF for ever... they will counter...
Just apply online, since you are a cardmember it practically fills the entire application for you and boom boom boom done.. get needs further processing... log back in to check status... boom approved! the system is sometimes funny to say further processing but process out in seconds!
Thanks for the advice I will cotact capone asap. I will update back here in a few weeks when I apply for the amex( I want to pay discover down more before applying so my utilization is better)
@rob81 wrote:Thanks for the advice I will cotact capone asap. I will update back here in a few weeks when I apply for the amex( I want to pay discover down more before applying so my utilization is better)
I sent you private message with the Cap1 CEO E-mail that you send request to for product change to Quicksilver, AF Waiver, and CLI to $3000.
There is a sign up bonus of $250 going around for the BCP. Free money!