topic Re: Amex BCE for $2k in Credit Card Approvals

Amex BCE for $2k

SouthJamaica — Tue, 18 Oct 2022 02:47:24 GMT

I couldn't resist the 3% cash back for online retail purchases, so I applied for the American Express Blue Cash Everyday Card.

I was approved but got the lowest starting limit I've received in 5 or 6 years, $2000.

My EX FICO 8 is 699, I have a goodly number of inquiries, not many new accounts, and heavy utilization.

As usual with Amex on subsequent cards, there was no HP.

So far it doesn't appear they've decreased the limit on my other Amex personal card, the Hilton Honors card.

The size of the starting limit isn't really important, as I'm not one to make big purchases, and my Hilton

card has lots of unused limit I can always move over if needed.

Update 10/17/22. I was wondering if I was going to get the $200 SUB, since I've had an earlier version of the card in the past. When I read the fine print I didn't see any of the "lifetime" disclaimers. So I thought I was good to go. Then one day I looked the card up on the Amex site and saw that it did have lifetime language. So I really didn't know what would happen. Now I know: today, a day after I met the spend requirement, I got the SUB.

Re: Amex BCE for $2k

Mdowning30 — Tue, 27 Sep 2022 13:46:00 GMT

Im surprised at your SL, although i would be okay with it. I want to add this card, but i dont want another new account ding and bring my score up more so i can hopefully get a CLI on my CS Investor in November/December.

Re: Amex BCE for $2k

SouthJamaica — Tue, 27 Sep 2022 13:51:36 GMT

@Mdowning30 wrote:
Im surprised at your SL, although i would be okay with it. I want to add this card, but i dont want another new account ding and bring my score up more so i can hopefully get a CLI on my CS Investor in November/December.

I was too but it has no monetary consequence for me. The only consequence is that it lowers my average credit limit

Truth be told my profile is as weak as it's been in ages, so I shouldn't have been surprised. I'm just happy to now be getting a minimum of 3% cash back on all my online purchases.

Re: Amex BCE for $2k

Mdowning30 — Tue, 27 Sep 2022 13:55:21 GMT

@SouthJamaica I like the new design and want it for the 3% on Gas, did you know about the Resy offer with 10% back on dining ?

Re: Amex BCE for $2k

SouthJamaica — Tue, 27 Sep 2022 14:00:26 GMT

@Mdowning30 wrote:
@SouthJamaica I like the new design and want it for the 3% on Gas, did you know about the Resy offer with 10% back on dining ?

Yes it beats the pale older version.

No I don't know anything about Resy.

Re: Amex BCE for $2k

FLLGuy — Tue, 27 Sep 2022 14:13:04 GMT

Congrats! @SouthJamaica Looking at your credit card line up, you got more CC's than a full grown sea-cat..

Nonetheless, $2K is a win and beats a denial any day.

Re: Amex BCE for $2k

coreyb80 — Tue, 27 Sep 2022 14:31:56 GMT

Congrats on the approval!

Re: Amex BCE for $2k

Mdowning30 — Tue, 27 Sep 2022 14:32:41 GMT

@SouthJamaica https://resy.com/amex-offers

Re: Amex BCE for $2k

OmarGB9 — Tue, 27 Sep 2022 15:50:44 GMT

Congrats!

Re: Amex BCE for $2k

Yasselife — Tue, 27 Sep 2022 16:06:49 GMT

Congratulations on your approval, @SouthJamaica

Re: Amex BCE for $2k

KingRue8500 — Tue, 27 Sep 2022 23:22:47 GMT

Congrats on your AMEX Blue Cash Everyday approval

Re: Amex BCE for $2k

Zoostation1 — Wed, 28 Sep 2022 01:10:41 GMT

Congrats on the approval!

Re: Amex BCE for $2k

M_Smart007 — Wed, 28 Sep 2022 01:13:39 GMT

Congrats on your Approval 🥂🎉

Re: Amex BCE for $2k

wasCB14 — Wed, 28 Sep 2022 01:17:35 GMT

@SouthJamaica wrote:
I couldn't resist the 3% cash back for online retail purchases, so I applied for the American Express Blue Cash Everyday Card.
I was approved but got the lowest starting limit I've received in 5 or 6 years, $2000.
My EX FICO 8 is 699, I have a goodly number of inquiries, not many new accounts, and heavy utilization.
As usual with Amex on subsequent cards, there was no HP.
So far it doesn't appear they've decreased the limit on my other Amex personal card, the Hilton Honors card.
The size of the starting limit isn't really important, as I'm not one to make big purchases, and my Hilton
card has lots of unused limit I can always move over if needed.

What exactly is "heavy utilization" for someone with $716,000 (or $614,000) in revolving limits? It sounds like it could startle some lenders.

Re: Amex BCE for $2k

805orbust — Wed, 28 Sep 2022 03:09:27 GMT

Congrats my friend! Higher, further, faster!!!

Re: Amex BCE for $2k

WasteMgmt — Wed, 28 Sep 2022 04:51:11 GMT

Congrats on the approval! It is kind of weird about the starting limit but it won't matter and you can likely get a CLI in no time.

Re: Amex BCE for $2k

babygirl1256 — Wed, 28 Sep 2022 06:33:45 GMT

Congrats on your Amex BCE approval.

Re: Amex BCE for $2k

FireMedic1 — Wed, 28 Sep 2022 09:58:57 GMT

Congrats @SouthJamaica Hey if it 1000 or 10000. Still 3%.

Re: Amex BCE for $2k

SouthJamaica — Wed, 28 Sep 2022 14:42:50 GMT

@wasCB14 wrote:
@SouthJamaica wrote:
I couldn't resist the 3% cash back for online retail purchases, so I applied for the American Express Blue Cash Everyday Card.
I was approved but got the lowest starting limit I've received in 5 or 6 years, $2000.
My EX FICO 8 is 699, I have a goodly number of inquiries, not many new accounts, and heavy utilization.
As usual with Amex on subsequent cards, there was no HP.
So far it doesn't appear they've decreased the limit on my other Amex personal card, the Hilton Honors card.
The size of the starting limit isn't really important, as I'm not one to make big purchases, and my Hilton
card has lots of unused limit I can always move over if needed.
What exactly is "heavy utilization" for someone with $716,000 (or $614,000) in revolving limits? It sounds like it could startle some lenders.

38% of the 614k

Re: Amex BCE for $2k

Jeffster1 — Wed, 28 Sep 2022 14:55:06 GMT

Congrats on the BCE approval!