topic Re: American Express Blue Cash Everyday, questions in Credit Cards

American Express Blue Cash Everyday, questions

Anonymous — Tue, 11 Mar 2014 18:39:32 GMT

I am looking for an every day use card for things like groceries and gas. If I could pay utilities with it too that would be great. I want rewards. I am thinking about American Express Blue Everyday card but not sure if my scores and history would allow that. I just pulled my fico Experian - 759, Equifax - a low 704 and I get my transuion score via Walmart and Discover --739.

Are those scores high enough for American Express? I havent ever had any American Express cards. I just got my Discover and a Citi Thank You Preferred back in Oct 2013.

I can wait if I need to. I've always heard American Express is one of the most difficult cards to get, credit wise. Is this true? What do they look for? Think my scores are high enough? My oldest card is from 2010. Its a Capital One secured 1000.00 limit which I plan on cancelling shortly before the annual fee comes due.

Walmart has sent me a Walmart Discover but I havent activated it and probably won't since they are saying my credit limit will only be 2500.00 and its 3550.00 with my regular walmart card.

Any suggestions for other cards I can use for everyday purchases? I pay all cards in full every month, never carry a balance. I just rewards for purchases I have to make regularly. American Express Blue sounded good to me until I started googling and read they consider "other factors". What other factors?

Re: American Express Blue Cash Everyday, questions

Anonymous — Tue, 11 Mar 2014 18:57:22 GMT

I was approved for the BCE with only a 6 month credit history and EX score of 720. I also got the PRG and both were an instant approval. I think you have a great chance at getting the card.

Re: American Express Blue Cash Everyday, questions

Anonymous — Tue, 11 Mar 2014 19:00:31 GMT

Do you know if they usually pull Ex? I have read that's what they pull which if true, would be great for me, since that's my highest score.

Re: American Express Blue Cash Everyday, questions

Involver — Tue, 11 Mar 2014 19:04:37 GMT

Yes they should pull EX (and can double pull EQ and/or TU if the application is borderline).

Re: American Express Blue Cash Everyday, questions

Anonymous — Tue, 11 Mar 2014 19:06:24 GMT

Applied for Amex around Nov-Dec 2013. Had a score of 665 (they pulled experian) 3 paid chargeoffs ( 2-3 years old) , 5 paid off student loans showing 90 day lates (2years old) uti was probably about 15%. Had 33 inquires ( inanced 2 cars withing a year) AAA was about 1 year. Got the discover it card about 3 months before, and a citi AA, Apped for the Amex Delta Card, got an instant approval for $1000. Did a PC 3 months later to my Amex Blue Cash

Re: American Express Blue Cash Everyday, questions

Anonymous — Tue, 11 Mar 2014 19:10:34 GMT

@Anonymous wrote:
Do you know if they usually pull Ex? I have read that's what they pull which if true, would be great for me, since that's my highest score.

They pulled EX for me which was suprirsing because I thought with my thin file it would be a triple pull. Took advantage of the 2 cards for 1 inquiry though!

Re: American Express Blue Cash Everyday, questions

Anonymous — Tue, 11 Mar 2014 19:12:33 GMT

Does anyone know what scores or other things they are looking for? Does it matter that I havent ever had an American Express card? Do they have an easier card to get that I should try for first to get my foot in the door?

What about other credit cards for everyday purchases...any suggestions? As I said before, I just want the rewards for things I have to buy any way. I dont plan on any big expenditures. AND of course I can wait if need be. I dont want to waste a hard pull if I dont stand a good chance.

Re: American Express Blue Cash Everyday, questions

Anonymous — Tue, 11 Mar 2014 19:14:34 GMT

Would you mind disclosing your score at the time you applied? 2 cards for one pull? I dont understand...did they offer you two different cards without you applying for two?

Re: American Express Blue Cash Everyday, questions

Themanwhocan — Tue, 11 Mar 2014 19:21:43 GMT

Your scores are better than mine ever were, so that shouldn't prevent you from getting the card you want. However, the Sallie Mae MasterCard gives more rewards than the Blue Cash Everyday in the Grocery + Gas categories according to my calculations:

Re: American Express Blue Cash Everyday, questions

Anonymous — Tue, 11 Mar 2014 19:16:10 GMT

@Anonymous wrote:
Does anyone know what scores or other things they are looking for? Does it matter that I havent ever had an American Express card? Do they have an easier card to get that I should try for first to get my foot in the door?

What about other credit cards for everyday purchases...any suggestions? As I said before, I just want the rewards for things I have to buy any way. I dont plan on any big expenditures. AND of course I can wait if need be. I dont want to waste a hard pull if I dont stand a good chance.

If your EX score is in the mid 720's you have nothing to worry about. Their charge cards are easier to get and what you could do is apply for the green and if you get accepted, immediatley apply for a Blue Cash card. If you get denied it'll only be a soft pull since you became an AMEX card member, if you get accepted there's a really good chance you'll get both cards with only 1 inquiry.

As far as an everday card, I would recommend the Freedom. Has served me well so far and I like the 5% rotating categories.

Re: American Express Blue Cash Everyday, questions

Anonymous — Tue, 11 Mar 2014 19:18:21 GMT

Wow! That's awesome. I've never heard of Sallie Mae Master Card. I will google it, thanks so much for the information. This is why I LOVE this forum!

Re: American Express Blue Cash Everyday, questions

Anonymous — Tue, 11 Mar 2014 19:21:59 GMT

OP- have you tried AMEX's prequal link? If so, does it offer you anything? If you see "online prescreened offer", see the opt out prescreen notice and you click on terms and conditions and it quotes a specific interest rate, I think you are in for sure. You can certainly qualify without a prescreened offer but that's a good start.

If you're looking for a general spend card that you can use everywhere, it's hard to beat a CapOne Quicksilver Visa. 1.5% cash back across the board on everything adds up quick!

Let us know if you get a prequal offer if you try it. Good luck!

Re: American Express Blue Cash Everyday, questions

Themanwhocan — Tue, 11 Mar 2014 19:23:03 GMT

Salliemae.com there are 2 cards, you want the one that is NOT upromise.

Its a Barclay card.

Re: American Express Blue Cash Everyday, questions

Anonymous — Tue, 11 Mar 2014 19:32:09 GMT

I never get the prequalify's on any web sites. I opted out a few years ago unfortunately.

Re: American Express Blue Cash Everyday, questions

Anonymous — Tue, 11 Mar 2014 19:39:17 GMT

the other reason I was interested in American Express is because I have read about their generous credit limit increases and they back date any new cards to the date of an original card. That would be a great benefit if/when I needed another card.

Re: American Express Blue Cash Everyday, questions

Anonymous — Tue, 11 Mar 2014 19:48:42 GMT

@Anonymous wrote:
the other reason I was interested in American Express is because I have read about their generous credit limit increases and they back date any new cards to the date of an original card. That would be a great benefit if/when I needed another card.

Welcome to the forum. I notice that you might not know how to respond to posts by using our quote feature.

1. Click "reply" on the post you want to respond to.

2. To the right of the Spell Check button -- and above the message post window -- you will see the quote button. It should look like this:

3. Tap the quote bubble to insert the text of the post you are responding to and the block of text will appear in the message post window.

4. Type your response below the quoted block of text and then click preview if you'd like to proof the post before submitting, or click "Post" at the bottom of the message post window.

Re: American Express Blue Cash Everyday, questions

Anonymous — Tue, 11 Mar 2014 19:52:24 GMT

@Anonymous wrote:
@Anonymous wrote:
the other reason I was interested in American Express is because I have read about their generous credit limit increases and they back date any new cards to the date of an original card. That would be a great benefit if/when I needed another card.
Welcome to the forum. I notice that you might not know how to respond to posts by using our quote feature.

1. Click "reply" on the post you want to respond to.

2. To the right of the Spell Check button -- and above the message post window -- you will see the quote button. It should look like this:

3. Tap the quote bubble to insert the text of the post you are responding to and the block of text will appear in the message post window.

4. Type your response below the quoted block of text and then click preview if you'd like to proof the post before submitting, or click "Post" at the bottom of the message post window.

You are so right, I didn't know how to use it. Thank you Lexie! Any advice on getting the Amex BCE? or some other card for every day spending?

Re: American Express Blue Cash Everyday, questions

clocktick — Tue, 11 Mar 2014 20:56:30 GMT

If you want the Amex card then I think you should apply. The CLIs and backdating are great! I do not think you need to apply for another Amex before the one you want. I think you will be approved immediately. There's always the SAllie Mae card as indicated above. There's also a gas/groceries Bank of America card but the percentages of cash back aren't as high.

Re: American Express Blue Cash Everyday, questions

Anonymous — Tue, 11 Mar 2014 20:56:38 GMT

OP-

Im not sure how much this helps, but I just thought I'd throw in my recent experience with Amex.

Just yesterday I applied for a Green Card and was instantly approved. I have three baddies on TU (all over 5 years old) and one late on TU and EX (over 3 years old). Neither of my Ficos were above 700 (see sig) and the only cards I had were a crappy Capital One and Bannana Republic store card.

Not sure whether the BCE is more difficult to acquire than the Green Card, but I thought I'd mention my experience.

Re: American Express Blue Cash Everyday, questions

Craaaig — Tue, 11 Mar 2014 21:02:20 GMT

I applied for a BCE on Saturday and was approved on Sunday. Couple of old baddies and about 6 HP's. Util was about 3% and my TU according to Barclay was 683. Not sure how I got approved but I'm not complaining!!