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What is the lowest CL for Amex Blue Cash?

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Frequent Contributor

What is the lowest CL for Amex Blue Cash?

I already have Amex Blue Cash. My mother wants one and I get a bonus if she's approved. Her credit is a mess right now due to high utilization and a car loan.  I feel like if she gets anything over 2k she's going to max it out within months. I was hoping she'd want Capital One at least it's a $500 limit.

- 3/17 Cap1 Secured $200 and $500 as of 9/17
-10/17 Amex Blue Cash Awards. $15,700
-12/17 Discover It $2,400
- 2/18 Cap1 Unsecured. Quicksilver NO CLI.
4/19 Cap1CL $1,000
1/18-4/19 Garden. No loans. Rebuilding.
- NFCU Platinum $1,000
- Citi Simplicty $6,000
- Amazon Prime Rewards $5,000
8/19 Citizen's Bank Cash Back World $1,600
8/19 Burying self in garden.
Message 1 of 7
6 REPLIES 6
Community Leader
Mega Contributor

Re: What is the lowest CL for Amex Blue Cash?

$500.00 I think 

EX 759 EQ 774 TU 753


Message 2 of 7
Established Member

Re: What is the lowest CL for Amex Blue Cash?

I see you have the Discover it card.  You can refer your mom to apply for that card and receive a $50 statement credit.  The minimum credit limit on the Discover it is $300 so she may have a better chance at that card anyways.


Message 3 of 7
Valued Contributor

Re: What is the lowest CL for Amex Blue Cash?


@AltCtrlDelMyScores wrote:

I already have Amex Blue Cash. My mother wants one and I get a bonus if she's approved. Her credit is a mess right now due to high utilization and a car loan.  I feel like if she gets anything over 2k she's going to max it out within months. I was hoping she'd want Capital One at least it's a $500 limit.


 

So why not go all in and make her an authorized user on your $13K card?





Message 4 of 7
Super Contributor

Re: What is the lowest CL for Amex Blue Cash?

While it's none of my business and not what you're really asking about here, it sounds to me like the last thing she needs is another CC.  By your own admission you said she'll probably max it out.  Obtaining another card would not be a healthy credit decision here.

Message 5 of 7
Community Leader
Super Contributor

Re: What is the lowest CL for Amex Blue Cash?

I would highly recommend not trying to benefit off getting a card for DM who you feel will max it out as anyway. Perhaps try and focus on helping her understand and better her credit?
#ChaseCreditCardHobby Enthusiast
2022
!
Message 6 of 7
Community Leader
Senior Contributor

Re: What is the lowest CL for Amex Blue Cash?

Hi OP

I know this is not answering your question, but if your mom’s credit is a mess, as you state, she may not get approved at any limit. Do you want her getting a HP to be declined further decreasing her score?

IMHO, introduce your mom to the gardening technique, and tell her to “let’s wait a year to work on getting utilization down substantially and then apply.”

The referral bonus will probably still be there.
GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 7 of 7
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