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Amex BC

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gustcard88
New Member

Amex BC

Hi , i just apply for Amex Blue Cash for my mom and approved $1,000 and my question is thats no really low ? she have the scores between 790 and 800 and have 2 cards , Discover it with $10k and Truist EC with $15,000. 

Scores: TU - 790 / EX - 792 / EQ - 805
Cards: Citi DC - $2,200 , Amex BC - $2,000 , Discover It - $4,400 , Amazon Store - $6,000 , Chase Amazon - $5,000 , Chase Unlimited - $5,000 , PayPal MC - $8,000 , Capital One Walmart - $6,600
Message 1 of 9
8 REPLIES 8
Yasselife
Valued Contributor

Re: Amex BC

Congratulations! @gustcard88  The good thing is that you can request a 3x CLI after 91 days, then every 6 months. It'll grow fast with little use.


Gardening since: August 11, 2025
Message 2 of 9
Epiki71
Regular Contributor

Re: Amex BC

OP,

 

Congratulations on the approval! The reason for the low SL can vary, even if the individual has a high credit score. American Express looks at the credit profile, including the length of the credit history and any previous relationships with Amex. 

Last Signature Update: 03/08/2023





Message 3 of 9
gustcard88
New Member

Re: Amex BC

Hi , yes at least can grow Smiley Happy just was curious with the low credit aproved , im trying the increase with my amex too. 

Scores: TU - 790 / EX - 792 / EQ - 805
Cards: Citi DC - $2,200 , Amex BC - $2,000 , Discover It - $4,400 , Amazon Store - $6,000 , Chase Amazon - $5,000 , Chase Unlimited - $5,000 , PayPal MC - $8,000 , Capital One Walmart - $6,600
Message 4 of 9
gustcard88
New Member

Re: Amex BC

Hi , thanks!. i see , was curious with the low credit approved but at least with amex can grow 3x the limit in no time Smiley Happy 

Scores: TU - 790 / EX - 792 / EQ - 805
Cards: Citi DC - $2,200 , Amex BC - $2,000 , Discover It - $4,400 , Amazon Store - $6,000 , Chase Amazon - $5,000 , Chase Unlimited - $5,000 , PayPal MC - $8,000 , Capital One Walmart - $6,600
Message 5 of 9
Yasselife
Valued Contributor

Re: Amex BC

@gustcard88 I also started with 1k, and now I'm at 20k CL with Amex, spend 500-1000 on average a month.


Gardening since: August 11, 2025
Message 6 of 9
Zoostation1
Valued Contributor

Re: Amex BC

Congrats on the approval! Did you go for Blue Cash Everyday or Blue Cash Preferred?  (both are solid cards). 

Rebuild Started Nov 2021
June 2022 FICO 8:
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Dec 2025 FICO 8:
Dec 2025 FICO 9:
Dec 2025 FICO 10:
Oct 2025 FICO 10T:
Message 7 of 9
gustcard88
New Member

Re: Amex BC

Thanks! , BC Everyday. 

Scores: TU - 790 / EX - 792 / EQ - 805
Cards: Citi DC - $2,200 , Amex BC - $2,000 , Discover It - $4,400 , Amazon Store - $6,000 , Chase Amazon - $5,000 , Chase Unlimited - $5,000 , PayPal MC - $8,000 , Capital One Walmart - $6,600
Message 8 of 9
OmarGB9
Community Leader
Super Contributor

Re: Amex BC

It is pretty low and rather strange considering her scores and presumably long credit history, but for whatever reason she barely squeaked by. In any case, an approval is an approval, and as others have said, it can grow quickly. Congrats to DM! Smiley Happy


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


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