topic Re: AMEX Blue Cash Everyday Should I Apply? in Credit Card Approvals

AMEX Blue Cash Everyday Should I Apply?

Munchkin449 — Sat, 01 Nov 2014 22:58:58 GMT

Hi guys, I had a quick question.

I am new to MyFICO and the family

I had recieved my first credit card around March of this yr (BankAmeriCard for Students)

And about last week I applied for the Discover IT card. I got instant approval with 1,000 CL.

I want to apply for the AMEX Blue Cash Everyday..

But I am very nervous considering I just got approved last week for Discover.

So here it is guys, guide me on this lol.

I have less than a year of credit history.

I make $22,000 yr. (Student)

ONE hard inquiry ytd

and my scores read as follow:

EX: 717

EQ: 716

TU: 740

Should I apply? (dum dum dum..)

Thank you to anyone who reads this and thanks for the advice :3

Re: AMEX Blue Cash Everyday

Anonymous — Sat, 01 Nov 2014 23:22:53 GMT

@Munchkin449 wrote:
Hi guys, I had a quick question.

I am new to MyFICO and the family
I had recieved my first credit card around March of this yr (BankAmeriCard for Students)
And about last week I applied for the Discover IT card. I got instant approval with 1,000 CL.

I want to apply for the AMEX Blue Cash Everyday..
But I am very nervous considering I just got approved last week for Discover.

So here it is guys, guide me on this lol.

I have less than a year of credit history.
I make $22,000 yr. (Student)
ONE hard inquiry ytd
and my scores read as follow:
EX: 717
EQ: 716
TU: 740

Congrats

Yes apply it!

Re: AMEX Blue Cash Everyday

msbia — Sat, 01 Nov 2014 23:00:12 GMT

Should be good. Good luck to you!

Re: AMEX Blue Cash Everyday Should I Apply?

chalupaman — Sat, 01 Nov 2014 23:12:52 GMT

@Munchkin449 wrote:
Hi guys, I had a quick question.

I am new to MyFICO and the family
I had recieved my first credit card around March of this yr (BankAmeriCard for Students)
And about last week I applied for the Discover IT card. I got instant approval with 1,000 CL.

I want to apply for the AMEX Blue Cash Everyday..
But I am very nervous considering I just got approved last week for Discover.

So here it is guys, guide me on this lol.

I have less than a year of credit history.
I make $22,000 yr. (Student)
ONE hard inquiry ytd
and my scores read as follow:
EX: 717
EQ: 716
TU: 740

Should I apply? (dum dum dum..)

Thank you to anyone who reads this and thanks for the advice :3

One word: YES!

Re: AMEX Blue Cash Everyday Should I Apply?

mongstradamus — Sat, 01 Nov 2014 23:13:48 GMT

@Munchkin449 wrote:
Hi guys, I had a quick question.

I am new to MyFICO and the family
I had recieved my first credit card around March of this yr (BankAmeriCard for Students)
And about last week I applied for the Discover IT card. I got instant approval with 1,000 CL.

I want to apply for the AMEX Blue Cash Everyday..
But I am very nervous considering I just got approved last week for Discover.

So here it is guys, guide me on this lol.

I have less than a year of credit history.
I make $22,000 yr. (Student)
ONE hard inquiry ytd
and my scores read as follow:
EX: 717
EQ: 716
TU: 740

Should I apply? (dum dum dum..)

Thank you to anyone who reads this and thanks for the advice :3

If you want/need an amex would be no harm in trying, but there are better cards out there for gas and groceries.

Re: AMEX Blue Cash Everyday Should I Apply?

taxi818 — Sat, 01 Nov 2014 23:45:23 GMT

yes you would be fine. i agree with the others. apply now and get your card.

Re: AMEX Blue Cash Everyday Should I Apply?

Munchkin449 — Sat, 01 Nov 2014 23:53:24 GMT

Well I did apply. Thank you everyone for the help.

I got instant approval. I was not expecting 4500 CLI

Is AMEX always THAT generous?

Re: AMEX Blue Cash Everyday Should I Apply?

KneelBeforeZod — Sat, 01 Nov 2014 23:56:14 GMT

Congrats! Amex is known for nice CLs, especially after 61 days when you request a CLI and go fo 3 x CLI!

Re: AMEX Blue Cash Everyday Should I Apply?

Munchkin449 — Sun, 02 Nov 2014 00:08:36 GMT

Yeah I most definitely was not expecting that..

So how does everyone spread use all of their cards equally?

To be more precise, for the cardholders who have about 6 or 7 cards. How do you guys manage to keep everything under 30%?

AND utilize all cards?

Re: AMEX Blue Cash Everyday Should I Apply?

Anonymous — Sun, 02 Nov 2014 00:11:48 GMT

@Munchkin449 wrote:
Yeah I most definitely was not expecting that..
So how does everyone spread use all of their cards equally?

To be more precise, for the cardholders who have about 6 or 7 cards. How do you guys manage to keep everything under 30%?
AND utilize all cards?

Normally? I give each card a purpose and put gaffe tape on a corner of the card and write it's purpose.

Some cards are seldom used, some cards have a monthly charge put on them to keep active.

Re: AMEX Blue Cash Everyday Should I Apply?

chalupaman — Sun, 02 Nov 2014 00:55:45 GMT

@Munchkin449 wrote:
Yeah I most definitely was not expecting that..
So how does everyone spread use all of their cards equally?

To be more precise, for the cardholders who have about 6 or 7 cards. How do you guys manage to keep everything under 30%?
AND utilize all cards?

Some cards I use regularly more than others and others I just keep to pad out my utilization, not really charging that much on them at all. It becomes much easier to keep utilization low when the limits are bigger.

Re: AMEX Blue Cash Everyday Should I Apply?

taxi818 — Sun, 02 Nov 2014 00:59:05 GMT

No way trying to spend equally. Out of 15 cards. 11 at zero balance. The other 4 have purposes. The 11 not used. A donut each month. Each card. the bank the most generous gets most of the spend. Waiting for outcome of diners. May overtake my amex. If approved of course. Congrats again op.

Re: AMEX Blue Cash Everyday Should I Apply?

Anonymous — Sun, 02 Nov 2014 01:00:11 GMT

@taxi818 wrote:
No way trying to spend equally. Out of 15 cards. 11 at zero balance. The other 4 have purposes. The 11 not used. A donut each month. Each card. the bank the most generous gets most of the spend. Waiting for outcome of diners. May overtake my amex. If approved of course. Congrats again op.

You buy that many donuts?

You know they're cheaper by the dozen.

Re: AMEX Blue Cash Everyday Should I Apply?

alvon123 — Sun, 02 Nov 2014 12:53:22 GMT

@Munchkin449 wrote:
Well I did apply. Thank you everyone for the help.
I got instant approval. I was not expecting 4500 CLI
Is AMEX always THAT generous?

congrats