topic Re: Chances to get approved for American Express Blue Cash Everyday Card? in Credit Card Applications

Chances to get approved for American Express Blue Cash Everyday Card?

Anonymous — Thu, 12 Apr 2018 17:27:06 GMT

Hi all. According to Credit Karma both of my scores that they display are 692 and I have had a Discover Secured Card for 6 months and will be reviewed by their system next month when I have my 7th cycle. My question is, do you think I will get approved with the card in the title? I have no dings like being late paying or using a crazy amount of my credit limit of $200. This is my only card and I am looking to get another. I have no loans. Thanks.

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Anonymous — Thu, 12 Apr 2018 17:41:21 GMT

Your credit history sounds a bit new/thin. Keep in mind that CK has advertiser agreements with some companies and their "recommendations" are not really worth too much. Have you gove to the Amex site and checked for a preapproval? Do you know what your real FICO scores are?

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Anonymous — Thu, 12 Apr 2018 18:22:39 GMT

Yes, I did visit their website and I got preapproved for the Hilton card and the Delta card. I will know my real FICO score next month with Discover will finally display it to me.

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Anonymous — Thu, 12 Apr 2018 18:26:35 GMT

If i were you i will check if i am pre-approved/qualified for the card.

AMEX provides that service to check if you are pre-qualified for it without pulling anything.

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Anonymous — Thu, 12 Apr 2018 18:32:11 GMT

@Anonymous wrote:
Yes, I did visit their website and I got preapproved for the Hilton card and the Delta card. I will know my real FICO score next month with Discover will finally display it to me.

Those are two of their currently "featured" cards they are pushing. Did the preapprovals come with a fixed APR or very narrow range?

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Anonymous — Thu, 12 Apr 2018 18:39:39 GMT

I am not sure. I pay my bill off every month so I did not pay attention to the APR. I am not sure why I would get a preapproval for the two cards above but not for the Blue Cash Everyday Card.

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Anonymous — Thu, 12 Apr 2018 19:04:30 GMT

@Anonymous wrote:
I am not sure. I pay my bill off every month so I did not pay attention to the APR. I am not sure why I would get a preapproval for the two cards above but not for the Blue Cash Everyday Card.

Sometimes these "Co-Branded" cards can be easier to obtain than the regular ones. I see no real rhyme nor reason behind it but that's just the way it seems.

I was approved for the BCE back in December for 2K. Was approved for the 3X CLI in February and yet declined for the Everyday card a few weeks ago despite my scores being higher.

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Anonymous — Thu, 12 Apr 2018 21:11:51 GMT

The question was whether any of the Amex cards that were pre-approved had an offer of a single APR.

The co-branded cards have less stringent underwriting requirements so they are easier to get. I would suggest starting with an unsecured Discover card, then applying for the BCE after a few months.

@Anonymous wrote:
I am not sure. I pay my bill off every month so I did not pay attention to the APR. I am not sure why I would get a preapproval for the two cards above but not for the Blue Cash Everyday Card.

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Anonymous — Thu, 12 Apr 2018 21:39:46 GMT

Thank you.

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Anonymous — Fri, 13 Apr 2018 06:09:59 GMT

you look good for a charge card I think.. But like one of the post says, you should build a little more... Good Luck!!

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Snipper117 — Sat, 14 Apr 2018 15:12:46 GMT

Personally I would never trust credit karmas “recommendations”. Visiting AMEX prequalify page is a much safer bet.

Do you mind if I ask why your leaning towards the blue cash everyday for your 2nd card?

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Anonymous — Sat, 14 Apr 2018 21:48:43 GMT

Well because from what I have read I would be able to get into with AMEX. Also, I like their cash back structure. Mainly what I want it to get a limit that is four figures and something that has good cash back and room to grow with the card or company.

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Anonymous — Sat, 14 Apr 2018 21:55:27 GMT

The only thing I would say is you have a thin file but a good score. My mom recently got approved for a everyday card with about a Fico or 660-675 but she has a much longer aaoa and credit history all together

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Anonymous — Sat, 14 Apr 2018 22:04:36 GMT

Being that this would be your second card, why not apply for a visa or MasterCard? Amex isn't accepted everywhere and some places actually don't take discover however more merchants accept discover then amex If you want an amex by all means go ahead

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Anonymous — Sat, 14 Apr 2018 22:19:03 GMT

Yeah. I was looking into Cap One but their limits seem to be not very big for people like me. I am open to any card. What visa or MasterCard do you recommend? I'd prefer no annual fee if possible but my main thing is I just want to get approved and start opening up my credit options and such.

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Snipper117 — Sun, 15 Apr 2018 07:12:21 GMT

If you want to get in with AMEX I would app for one of the cards you were pre-approved for then if that’s the case.

Even tho those cards are not cash back cards I don’t recal ever seeing anyone with less than a 1k starring credit limit.

From my personal experience with Amex if you treat them well they will do the same.

If I were in your spot I’d app for one of your pre approved cards depending on the bonus they are offering. Hopefully you get approved and in 2 months I would then app for your blue cash card. If you app and your denied it’s only a soft pull. If approved and your original Amex card has been open for at least 61 days you can immediately request a 3x CLI on your new blue cash card since that’s the one your really going for.

Let us know if you app and the results.

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Anonymous — Sun, 15 Apr 2018 13:54:51 GMT

Should I wait to apply until I can get a FICO Score? Discover won't show me mine until next month. I was thinking of waiting to apply them. I did do the pre-approval and I got pre-approved for the Delta Gold Card and the Hilton Card, both have an annual fee after the first year. Could I switch cards before the year is up to avoid the annual fee?

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Snipper117 — Sun, 15 Apr 2018 17:16:49 GMT

I believe visiting experian website you can get your fico 8 score for free. I currently receive updated scores and reports and it is free. Try that first. Let us know what your score is. No credit card needed to sign up.

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Anonymous — Sun, 15 Apr 2018 18:57:39 GMT

I will try that now. Thanks!

Re: Chances to get approved for American Express Blue Cash Everyday Card?

Anonymous — Sun, 15 Apr 2018 19:03:54 GMT

Okay, the free report is just a credit report and it said on the website that it does not include a credit score. Do you have a link for the free score?