AMEX Blue Cash Everyday Should I Apply?

chalupaman · ‎11-01-2014

@Munchkin449 wrote:
Yeah I most definitely was not expecting that..
So how does everyone spread use all of their cards equally?

To be more precise, for the cardholders who have about 6 or 7 cards. How do you guys manage to keep everything under 30%?
AND utilize all cards?

Some cards I use regularly more than others and others I just keep to pad out my utilization, not really charging that much on them at all. It becomes much easier to keep utilization low when the limits are bigger.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

taxi818 · ‎11-01-2014

No way trying to spend equally. Out of 15 cards. 11 at zero balance. The other 4 have purposes. The 11 not used. A donut each month. Each card. the bank the most generous gets most of the spend. Waiting for outcome of diners. May overtake my amex. If approved of course. Congrats again op.

Anonymous · ‎11-01-2014

@taxi818 wrote:
No way trying to spend equally. Out of 15 cards. 11 at zero balance. The other 4 have purposes. The 11 not used. A donut each month. Each card. the bank the most generous gets most of the spend. Waiting for outcome of diners. May overtake my amex. If approved of course. Congrats again op.

You buy that many donuts?

You know they're cheaper by the dozen.

alvon123 · ‎11-02-2014

@Munchkin449 wrote:
Well I did apply. Thank you everyone for the help.
I got instant approval. I was not expecting 4500 CLI
Is AMEX always THAT generous?