[Final Edit: The card arrived in the mail 6 days after I applied!]
I was moderately intoxicated and in a celebratory mood, so I threw caution, reason, and I think my cable remote to the wind and cold-apped for the American Express Blue Cash Everyday card. I blame myFICO society and @Birdman7.
Instantly approved with $11,500 credit limit, 22.49% APR. $200 bonus after $1000 in spend over the first 3 months.
I got a letter from AMEX last month for the BCE with $200 bonus offer, but I shredded it already so I used this publicly available AMEX link:
https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/
Still got the $200 bonus, but it may have had something to do with the uBlock Origin ad-blocker in Firefox. Not sure about that, but it definitely wasn't in 'incognito mode'.
- The email confirmation did not arrive for about 2 hours after I applied online. I was kinda worried when I didn't see anything right away.
- The instant approval page did not show me a credit limit or APR.
- I had 2 cards at time of appproval and both were at 9% utilization. [Aggregate 9%, $1,214.99 of $13,500 TCL]
- The APRs on those 2 cards are 15.75% and 16.74%. AMEX gave me 22.49%. Doesn't matter, never carrying a balance.
- EX 8 735, TU 8 747, EQ 8 730
- Zero scorable inquiries across the board, with 1 inq over 1yr on each bureau. (EX 0/1, TU 0/1, EQ 0/1)
- AMEX pulled EX and shortly thereafter the free (Basic) Experian credit monitoring reported the inquiry along with an EX 8 score drop from 735 to 732, or -3pts.
- AoOA 2yr 2mo
- AAoA 1yr 6mo
- AoYA 1yr 2mo
- The following aging values are ones that may have some importance. Still gathering data for these. (R=Revolving)
- AoORA 1yr 2mo
- AAoRA 1yr 2mo
- AoYRA 1yr 2mo (AoYA might really be AoYRA. Sure looks like it from recent testing by myself and @Birdman7.)
And right after I closed the browser, I received this in email:
Congrats!
Ha! I've never seen them hold back $1500 from an $11500 limit! God forbid you go haywire with that extra $1500, lol. Oh and Congratulations!
Congratulations on your approval! Was wondering when you would go and apply. Put your good score to use. Maybe a couple more apps on EQ and TU?
"I was moderately intoxicated and in a celebratory mood, so I threw caution, reason, and I think my cable remote to the wind"
@Anonymous wrote:
@NimbusIII wrote:Ha! I've never seen them hold back $1500 from an $11500 limit! God forbid you go haywire with that extra $1500, lol. Oh and Congratulations!
Thank you!
$11,500 matches my highest limit on a Citi Costco Visa card. My total revolving credit history is 1yr 2mos, with 2 cards at the same age.
Maybe it's short revolving history, or maybe it's because both cards are reporting a balance at 9%.
Mark your calendar The Definitive Amex 3X CLI Guide
@Anonymous wrote:
@AllZero wrote:Congratulations on your approval! Was wondering when you would go and apply. Put your good score to use. Maybe a couple more apps on EQ and TU?
Thanks!
If I 100% knew that Discover would pull my TU 8 score, I'd do it right now. lol
Join and apply with some CUs. BECU soft pull for membership, TU8 Hard Pull for CC products. PenFed EQ hardpull for membership and CC products.