topic Re: Received my AMEX Blue Cash Everyday but no EX credit score? in Credit Cards

Received my AMEX Blue Cash Everyday but no EX credit score?

Kendro — Fri, 11 May 2012 19:48:34 GMT

Hi everyone. Long time lurker here but I finally decided to join the forums since I've just received my first AMEX (the Blue Cash Everyday card).

After reading a few threads, I was under the impression that my card would come with a copy of my EX credit score. Or is that only for rejections?

Re: Received my AMEX Blue Cash Everyday but no EX credit score?

Anonymous — Fri, 11 May 2012 19:52:30 GMT

You were supposed to get a letter with your approval and your credit score... unless you got the best terms for their BCE or some jealous neighbor swiped your letter before you could get to it.

Either way, congrats on the BCE.

Re: Received my AMEX Blue Cash Everyday but no EX credit score?

Anonymous — Fri, 11 May 2012 19:52:51 GMT

I can't say for the BCE since I don't have it, but I never got a credit score when I got my Green card.

Re: Received my AMEX Blue Cash Everyday but no EX credit score?

Kendro — Fri, 11 May 2012 19:59:17 GMT

Hi FrugalRican, that must be the reason. I got an offer from AMEX that offered $250 cash back, 15 months at 0% APR, and 17.24% after that. I did some research and regular offers seem to be for $100 cash back and 0% for 12 months.

Re: Received my AMEX Blue Cash Everyday but no EX credit score?

Anonymous — Fri, 11 May 2012 20:00:54 GMT

The regular offer is the one I got.

Congrats, you DID get the best offer, and that's why you didn't get a score.

Fortunately and unfortunately, depends on how you see it.

Re: Received my AMEX Blue Cash Everyday but no EX credit score?

CreditMuppet — Fri, 11 May 2012 20:04:13 GMT

@Anonymous wrote:
I can't say for the BCE since I don't have it, but I never got a credit score when I got my Green card.
Nobody gets a score with a charge card, as everyone has the same (best) terms, this only applies to revolving products.

Re: Received my AMEX Blue Cash Everyday but no EX credit score?

kevinjjc — Sat, 12 May 2012 01:45:05 GMT

@Kendro wrote:
Hi FrugalRican, that must be the reason. I got an offer from AMEX that offered $250 cash back, 15 months at 0% APR, and 17.24% after that. I did some research and regular offers seem to be for $100 cash back and 0% for 12 months.

I got the same offer, and also didn't get an EX FICO score. What's your starting credit limit? Mine is 15k.

Re: Received my AMEX Blue Cash Everyday but no EX credit score?

Kendro — Sat, 12 May 2012 02:03:57 GMT

They started me off with $10,500. From what I hear, AMEX is not very generous with starting credit limits so they must view us as low risk.

Re: Received my AMEX Blue Cash Everyday but no EX credit score?

clocktick — Sat, 12 May 2012 03:26:52 GMT

$250 cash back offer? What are your FICO scores? Stories like this make me want to opt back in!

Congrats on your new card!

Re: Received my AMEX Blue Cash Everyday but no EX credit score?

Anonymous — Sat, 12 May 2012 11:52:10 GMT

Scores, under the CARD Act, were to be provided when the applicant did not receive the best (or advertised) terms or denied credit. Some issuers provide the score as a courtesy even when offering the approval was for the most prime terms.