topic Re: Amex Blue Cash Preferred Approval in Credit Card Approvals

Amex Blue Cash Preferred Approval

tallin32 — Thu, 22 Jul 2021 06:16:27 GMT

All,

Long time lurker, first time in several years poster. After getting a charge-off removed from my Experian report (long story that involved a credit union not accepting electronic funds transfer on its credit card from any accounts but its own, me moving from Seattle to New York, my bank's "online bill pay option being a particular flavor of inept that involved not sending my BECU card payments but CONTINUING to send rent payments on a closed checking account (which was not fantastic at all), and my having no eyesight at all--as in, completely blind--and thus not being able to write paper checks), I suddenly went from an on again, off again preapproval for the Delta SkyMiles cards to a prequal for the Platinum, Gold and BCP. In case it wasn't blindingly obvious from the subject line, I chose the third option. Credit line of $1,000 (not exactly stellar, but fine as I intend to make payments essentially as charges post). This is of particular interest to me as I've recently gotten a job as a software engineer at Resy (which American Express sort of snagged not so long ago), and I'd hat for my only Amex cards to be the corporate Green Card they're sending me and an Amex Serve.

For reference, bureau pulled was Experian (as per custom), score at time of pull was 681, income is $210K, AAOA 8 years, 2 inquiries, 28% utilization. The simulator on Experian's website gave me a target score of 696 when that utilization drops to zero in a day or thre, but not sure that would have made a heap of difference in the approval process.

For those that have been here (or at a similar location) before, is there a minimum that I should wait to pull the trigger on the gold card? I'd like to meet the $3,000 minimum spend for the welcome offer first, and, right now, the travel benefits on the Platinum card aren't super useful (although GDA is tempting).

Re: Amex Blue Cash Preferred Approval

Total80sKid — Thu, 22 Jul 2021 07:41:02 GMT

Congrats on your Amex BCP approval! 🎉🥳

Re: Amex Blue Cash Preferred Approval

M_Smart007 — Thu, 22 Jul 2021 08:17:04 GMT

Grats on your AmEx BCP approval

Re: Amex Blue Cash Preferred Approval

TSlop — Thu, 22 Jul 2021 13:19:16 GMT

Congrats on your approval!

Re: Amex Blue Cash Preferred Approval

coreyb80 — Thu, 22 Jul 2021 13:22:39 GMT

Congrats on the approval! Althought I don't have an AMEX, I would say show them some spend and PIF and then shoot for another card and CLI after 90/91 days. The gates may be wide open for you after that.

Re: Amex Blue Cash Preferred Approval

CreditAggie — Thu, 22 Jul 2021 13:57:55 GMT

Congratulations on your Amex BCP approval!

Re: Amex Blue Cash Preferred Approval

gdale6 — Thu, 22 Jul 2021 14:51:43 GMT

Grats on your new BCP card approval!

Re: Amex Blue Cash Preferred Approval

Irv02 — Thu, 22 Jul 2021 14:52:11 GMT

Congrats on your BCP approval!!!

Re: Amex Blue Cash Preferred Approval

Golf-and-Credit — Thu, 22 Jul 2021 15:33:54 GMT

Congrats on the new BCP!!

Re: Amex Blue Cash Preferred Approval

Elpadrino1 — Thu, 22 Jul 2021 15:34:15 GMT

Congratulations on your approval!!

Re: Amex Blue Cash Preferred Approval

CYBERSAM — Thu, 22 Jul 2021 16:05:26 GMT

Congrats on your approval! 🤑

Great choice. 👍

My favorite card. Now they have Plan it program that you can make big purchases for 12months with $0 interst. Not to mention so many other perks and discounts.

Also that CL is going to increase nicely.

Re: Amex Blue Cash Preferred Approval

DivideByZero — Thu, 22 Jul 2021 17:29:01 GMT

I would have to agree with Sam, it is my favorite card and for sure the one with the most use. Congrats! From what I have read, if you apply for a credit card and charge card with them on the same day it only results in 1 HP and you can apply for both at once. Might be worth waiting at this point to try and get a CLI first to get your numbers up.

Re: Amex Blue Cash Preferred Approval

Anonymous — Fri, 23 Jul 2021 00:54:26 GMT

Congrats on the new card! Exciting stuff!

Re: Amex Blue Cash Preferred Approval

SweetCreditObsession — Fri, 23 Jul 2021 04:02:56 GMT

Congratulations on the new card!

Re: Amex Blue Cash Preferred Approval

LadyJEsq — Fri, 23 Jul 2021 22:18:33 GMT

Congrats OP, not sure if it's possible with Amex, but maybe you can recon your SL.