AMEX BCP

[Harvey26]

Hey Fico Family, 

As some of you know my mother recently opened a Citi Double Cash and she was expecting more rewards as we have spent close to 3K in a month and have only recieved about $30 in rewards. So we started looking at the BCP as she does alot of grocery shopping and gas. Did the Prequal for Amex and the BCP is not coming up. Her EX score recently dropped from 764 to 741 due to 0% Utl. Do you guys think she will get a lower APR on the BCP she got the lowest on the DC. I am not sure if we are missing something maybe someone can explain the DC rewards set up. JUST HELP ME PLEASE LOL. 

[Peteyglad]

remember, with the Citi card you get 1% at statement cut and 1% the next statement on the amount you pay .So you will see $60 in rewards, it is just a funky way of getting there .

[chaos51]

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@Harvey26wrote:

Hey Fico Family, 

As some of you know my mother recently opened a Citi Double Cash and she was expecting more rewards as we have spent close to 3K in a month and have only recieved about $30 in rewards. So we started looking at the BCP as she does alot of grocery shopping and gas. Did the Prequal for Amex and the BCP is not coming up. Her EX score recently dropped from 764 to 741 due to 0% Utl. Do you guys think she will get a lower APR on the BCP she got the lowest on the DC. I am not sure if we are missing something maybe someone can explain the DC rewards set up. JUST HELP ME PLEASE LOL. 

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Someone may have mentioned this to you elsewhere, but I believe that the rewards on the Double Cash work in two parts. You should get $30 from spending and then another $30 from paying.

[Anonymous]

To answer your question, not sure if she would get a low APR, but I'm positive that she would get approved for the card with those scores.