topic Re: Amex Blue Cash Everyday-low credit score in Credit Card Approvals

Amex Blue Cash Everyday-low credit score

Creditdreamer — Wed, 23 Mar 2016 02:48:26 GMT

I just got approved for an Amex Blue Cash Everyday with a $1000 limit! I know it's low, but my scores aren't high and I have an open collection on my reports still.

For years I've been getting their offers in my email to get their prepaid Serve card. But finally today, it was an offer for the Blue Cash Everyday. I tried their prequal and didn't get any offers but decided to try anyway (I have a good number of inquiries I think-7 or so?). It took forever after I pressed the submit button so I knew it wasn't an instantaneous denial. But then it said "you're approved". I was very shocked. But I'm so excited! I FINALLY have my foot in the door with Amex. OMG. My Credit rebuilding in the last 6 months has just been ridiculously great. I love myfico!

Re: Amex Blue Cash Everyday-low credit score

OMW2_HighAcheiver — Wed, 23 Mar 2016 02:52:49 GMT

This. Is. Awesome.
Congrats to you!

Re: Amex Blue Cash Everyday-low credit score

mattayy — Wed, 23 Mar 2016 02:54:02 GMT

wow congrats!!

Re: Amex Blue Cash Everyday-low credit score

Creditwiser — Wed, 23 Mar 2016 02:58:03 GMT

Congrats on getting in with Amex !

Re: Amex Blue Cash Everyday-low credit score

alextercero — Wed, 23 Mar 2016 03:00:29 GMT

Congrats

Re: Amex Blue Cash Everyday-low credit score

ttleigh — Wed, 23 Mar 2016 04:20:07 GMT

Congrats! I got an email today too about this card(after years of just serve card offers)I am tempted but I have been holding out for the everyday preferred or a high prg gold offer. Does anyone know if an offer for the blue means an everyday app might be approved?

Re: Amex Blue Cash Everyday-low credit score

CountryLivin — Wed, 23 Mar 2016 04:29:42 GMT

Congratulations! I really want an Amex card! Always denied before....maybe I will try again one of these days!

Re: Amex Blue Cash Everyday-low credit score

Anonymous — Wed, 23 Mar 2016 05:18:27 GMT

That is awesome! Congrats! What are your stats if you dont mind sharing?

Re: Amex Blue Cash Everyday-low credit score

Anonymous — Wed, 23 Mar 2016 05:46:01 GMT

Most likely.. BCE is harder to get approved than the ED card

Re: Amex Blue Cash Everyday-low credit score

Creditdreamer — Wed, 23 Mar 2016 05:46:52 GMT

@Anonymous wrote:
That is awesome! Congrats! What are your stats if you dont mind sharing?

My current TU FICO is in my signature (i think it's 632 as of 2/29/16). But I think Amex usually pulls experian or equifax and I don't know those scores right now.

My credit profile is as follows:

Credit one card-$650 limit, $0 balance

Capital One Quicksilver Mastercard (opened Oct 2015), started at $500, CLI 2 or 3 weeks ago to $5000. Utilization around 6%

Capital One Quicksilver Mastercard (opened Dec 2015), $500 CL-$0 balance.

Discover it secured (opened October 2015), current $1000 CL. Utilization around 10%

AU on two similar to above rebuilder cards with low utilization.

One medical collection from 2013, unpaid. About $600 balance

One voluntary repo from 2013 turned into collection that shows that it is being paid with a payment arrangement. I actually made the last payment in February but it doesn't look like it has updated yet.

One current car loan that I have paid down from $24k to $12k in the last 4 months

Student loan with $8000 balance that has some lates within the last 2 years but for the last 4 months has shown on time payments

I think that's it??? Not a stellar profile to say the least and lower scores than I've heard of for people getting approved for any amex. That's why I was so surprised. I figured, oh well, what's one more inquiry for now.

Re: Amex Blue Cash Everyday-low credit score

william23 — Wed, 23 Mar 2016 06:11:57 GMT

Congratulations!

Re: Amex Blue Cash Everyday-low credit score

Anonymous — Wed, 23 Mar 2016 06:18:11 GMT

Congratz. Who cares what the limit is. I'm so happy you got approved and Amex is great to start a relationship with.

There is a great post in the 3x credit limit increase. Use the 1k well and the doors will open friend!

Re: Amex Blue Cash Everyday-low credit score

Creditdreamer — Wed, 23 Mar 2016 06:27:39 GMT

@Anonymous wrote:
Congratz. Who cares what the limit is. I'm so happy you got approved and Amex is great to start a relationship with.

There is a great post in the 3x credit limit increase. Use the 1k well and the doors will open friend!

I know! I am VERY happy with the $1000. I thought it would take years to get in with Amex. I will treat them well. I'm so excited!!!!

Re: Amex Blue Cash Everyday-low credit score

Nova5041 — Wed, 23 Mar 2016 08:04:33 GMT

Congratulations, I've been trying to get that card for months and keep getting denied, and I have PRG. Lol

Re: Amex Blue Cash Everyday-low credit score

Anonymous — Wed, 23 Mar 2016 07:35:05 GMT

Congratulations on your approval!

Re: Amex Blue Cash Everyday-low credit score

Anonymous — Wed, 23 Mar 2016 14:05:21 GMT

Awesome! I've been vying for that card but I'm scared they'll deny me. I've never received any offers from them, currently have about 5-7 inqs, and 3 new TLs. Your approval is making me itch to apply!

Re: Amex Blue Cash Everyday-low credit score

OG_54 — Wed, 23 Mar 2016 23:03:25 GMT

Experian 660 and above may get you in. I had a 668 Monday got approved. UPDATE: Just recieved my card only came in 2 days!! The score amex pulled was ex670

Re: Amex Blue Cash Everyday-low credit score

Anonymous — Wed, 23 Mar 2016 17:10:54 GMT

@OG_54 That's awesome! May I ask what your stats are? I can't view siggies from my smartphone.

Re: Amex Blue Cash Everyday-low credit score

Creditdreamer — Wed, 23 Mar 2016 17:24:56 GMT

I am not sure what my experian is. I think my recent inquiries have been on TU and EQ. I can't see that my EX would be much higher than my TU FICO (632). I will wait until my letter comes with my EX score and update.

Re: Amex Blue Cash Everyday-low credit score

Anonymous — Wed, 23 Mar 2016 17:44:54 GMT

Congrats OP!