topic Re: American Express Blue Cash Everyday Approved in Credit Card Approvals

American Express Blue Cash Everyday Approved

Sbrav77 — Sun, 08 Jan 2023 05:29:05 GMT

Well, I decided to submit the application since American Express said I was preapproved. First ever card with them. Only starting with a $1,000 cl. From what I've heard though, it can grow fairly quickly. Happy to finally get my foot in the door with them. Any advice for a new AE cardholder?

Re: American Express Blue Cash Everyday Approved

SeaProbe — Sun, 08 Jan 2023 05:34:11 GMT

Congratulations on your entry into the AmEx club!

The same guidelines apply to managing credit with AmEx as with any other issuer. Of course, they are known to be generous with CLIs once one has proven themselves with a solid on-time payment record.

The offers are very much hit and miss. Check them periodically. Most are useless to me but every once in a while something appears that I actually use.

Re: American Express Blue Cash Everyday Approved

Sbrav77 — Sun, 08 Jan 2023 06:24:08 GMT

Thank you. I'll mainly be using it for gas and periodically grocery stores. At least until I'm able to grow the limit. I'll also be taking advantage of the $7.00 monthly credit for Disney Plus subscriptions. I'm already paying for it through Verizon. Might as well put it on the new card to get the monthly credit.

Re: American Express Blue Cash Everyday Approved

JoeRockhead — Sun, 08 Jan 2023 10:32:45 GMT

Amex usually likes it best to see low UTI (30%) in regards to your limit, then PIF every month. Do these things and chances are they'll show you some love pretty quickly. Congrats on you new BCE!!

Re: American Express Blue Cash Everyday Approved

KingRue8500 — Sun, 08 Jan 2023 11:24:54 GMT

Congrats on your AMEX Blue Cash Everyday approval

Re: American Express Blue Cash Everyday Approved

firefox100 — Sun, 08 Jan 2023 12:55:03 GMT

Congrats and enjoy have fun.

Re: American Express Blue Cash Everyday Approved

NoMoreDebt — Sun, 08 Jan 2023 14:19:30 GMT

congrats on getting into the Amex club.

Re: American Express Blue Cash Everyday Approved

user979797 — Sun, 08 Jan 2023 15:34:08 GMT

Congrats to you on your approval

Re: American Express Blue Cash Everyday Approved

WasteMgmt — Sun, 08 Jan 2023 23:28:57 GMT

Congrats! I grabbed this card in Sept and really have enjoyed Amex and their app.

Re: American Express Blue Cash Everyday Approved

SweetCreditObsession — Mon, 09 Jan 2023 00:15:58 GMT

Congratulations on the new card!

Re: American Express Blue Cash Everyday Approved

CreditAggie — Mon, 09 Jan 2023 00:49:00 GMT

Congratulations on your Amex BCE approval!

Re: American Express Blue Cash Everyday Approved

markbeiser — Mon, 09 Jan 2023 06:55:30 GMT

Grats on the new AmEx card!

I got the BCE card as my first step into Amex 3 months ago, with similar credit scores and stated income at the time.
They started me off at a $1k limit too, but I just got approved for CLI to $3k.
When I talked to a rep a couple of weeks ago, they told me newcomers to AmEx have to wait 3 months before becoming eligible for a CLI.
The general consensus I've seen is that they won't more than triple your limit at once, but I asked for a $5k limit to see what happens, and they came back with a $3k offer, the max 3x CLI appears to be the case.
Marked my calender to request another CLI in 6 months.

Use it a lot, and keep an eye on their offers page for stuff you were planning to spend money on anyway.
Between the SUB, cash back on spend, cash back offers, and the statement credit offers, I think I'm at at close to $500 in bonuses in the 3 months I've had it.
I have not spent money on anything I wasn't already going to, but the offers have influenced my decision of where to buy a couple of things.

As always, make payments before your statement closing date to keep your reported utilization low.

Re: American Express Blue Cash Everyday Approved

coreyb80 — Mon, 09 Jan 2023 14:29:55 GMT

Congrats on the approval!

Re: American Express Blue Cash Everyday Approved

Sbrav77 — Mon, 09 Jan 2023 18:47:59 GMT

How long did you wait for your first cli? Also, do they just want to seen plenty of use as long as it's paid before the statement cuts? With only a $1,000 cl, would it work to my advantage to use it as much as possible and pay it off after each charge posts but before the statement? For example, charge 200.00, then immediately pay it, charge 150.00, immediately pay it, etc.

Re: American Express Blue Cash Everyday Approved

kickhard88 — Mon, 09 Jan 2023 19:15:41 GMT

i started at 1k also i put about 400 to 500 a month pif and had no trouble getting a 3x cli just make sure your credit report stays the same with no major differences like applying for too many new accounts, inquiries and overall usage you should see a easy 3x cli

Re: American Express Blue Cash Everyday Approved

Jeffster1 — Wed, 11 Jan 2023 05:23:01 GMT

CONGRATS! Great card. I love mine.

Re: American Express Blue Cash Everyday Approved

TG10X — Wed, 11 Jan 2023 15:07:59 GMT

@Sbrav77 wrote:
How long did you wait for your first cli? Also, do they just want to seen plenty of use as long as it's paid before the statement cuts? With only a $1,000 cl, would it work to my advantage to use it as much as possible and pay it off after each charge posts but before the statement? For example, charge 200.00, then immediately pay it, charge 150.00, immediately pay it, etc.

The rule of thumb is usually 90 days before requesting a CLI. I personally just use the new card for as many transactions as I can in those months. I recently got a Cash Magnet with a $1000 limit. I put like $1500 spend on it the first two months and tried to do a CLI and I was denied. I put like 2300 on it last month and preparing to ask again. This is my 4th AMEX card and in my experience the more you use it the more lenient they are with increases. You don't need to pay it off with every use...just pay before the statement closes.

Re: American Express Blue Cash Everyday Approved

cashorcharge — Fri, 13 Jan 2023 18:53:46 GMT

WooHoo!! Congratulations on your AMEX Approval!!👏🏼🍾🥂

Re: American Express Blue Cash Everyday Approved

NyaBuksh — Fri, 13 Jan 2023 22:29:31 GMT

Nice! Congratulations

Re: American Express Blue Cash Everyday Approved

Absolution16 — Sat, 18 Mar 2023 08:10:25 GMT

Congratulations!

I too started, just like you, at 1K SL as my 1st card after I started my rebuild. With the help of this community, I was able to get 3x CLIs twice to take it up to 9K CL now where I am quite content.

This is a good card. The three categories it gives at 3% cover all useful, frequently used things. The 6K annual spending cap on groceries can be a turn off, but for a single person like myself, it is just enough. This card pretty much eliminates for me many cards that are out there. I like its 3% bonus on online shopping. It even works when I just add funds to my Amazon balance.