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Congratulations on your approval!!!
Thank you again guys. Another thing I forgot to add was that they only pulled my Experian report and I applied for the Amex Everyday Card first. I applied for the Gold Card the same day but they didn't run my credit again, the just used the same inquiry as the one for Amex Everyday.
Also, for some reason there is a collection showing as open and reporting as active every so often which is why it shows my last late was 0.4 years ago. The account is set to fall off this year so I won't bother disputing it unless it doesn't fall off and it seems that even though they are reporting active, my FICO score doesn't seem to get affected. Additionally, Amex didn't really care about that. I have come to learn that Amex likes a good mixure of different accounts and a low utilization. I have seen people with a higher score than me get denied, but they had a higher utilization than me. So that is something to take into consideration.
@MRsolis wrote:Thank you again guys. Another thing I forgot to add was that they only pulled my Experian report and I applied for the Amex Everyday Card first. I applied for the Gold Card the same day but they didn't run my credit again, the just used the same inquiry as the one for Amex Everyday.
Also, for some reason there is a collection showing as open and reporting as active every so often which is why it shows my last late was 0.4 years ago. The account is set to fall off this year so I won't bother disputing it unless it doesn't fall off and it seems that even though they are reporting active, my FICO score doesn't seem to get affected. Additionally, Amex didn't really care about that. I have come to learn that Amex likes a good mixure of different accounts and a low utilization. I have seen people with a higher score than me get denied, but they had a higher utilization than me. So that is something to take into consideration.
I was about to ask you the same question about which one they pulled. I'm hoping that by May or June, with maybe a bump in CL my utilization will be below 15%. The ones I was looking at in the future was the Everyday or the Blue Cash Everyday card.
Congratulations! It definitely feels good to get your foot in the door with AmEx. And at least it will help your credit profile grow!
Best of luck. The Everyday Card gives you membership rewards points and the Blue Cas Card gives you cash back. However, the credit requirements for the BCE are much stricter. I spoke with an Amex rep and they told me my credit would not qualify for the BCE at this time so I would recommend you try for the Amex Everyday because it is easier to get. Amex also has a prequalifier tool on their website that is actuakly accurate. Go to https://www.americanexpress.com/us/credit-cards/ and scroll down until you see where it says "See if we have any pre-qualified offers for you" and enter your information. This is how I found out I qualified for the Everyday Card and the Gold card because they listed them.
@MRsolis wrote:Best of luck. The Everyday Card gives you membership rewards points and the Blue Cas Card gives you cash back. However, the credit requirements for the BCE are much stricter. I spoke with an Amex rep and they told me my credit would not qualify for the BCE at this time so I would recommend you try for the Amex Everyday because it is easier to get. Amex also has a prequalifier tool on their website that is actuakly accurate. Go to https://www.americanexpress.com/us/credit-cards/ and scroll down until you see where it says "See if we have any pre-qualified offers for you" and enter your information. This is how I found out I qualified for the Everyday Card and the Gold card because they listed them.
I checked about two weeks ago just to try it but no pre-qualified offer. That's why I'm waiting a few months before I try to get one. Mainly looked at the most basic cards like the Blue card, Everyday and Plenti as a starter from Amex. But heard alot of good things also about the Blue Cash card. We'll see what happens later this spring.
Congrats OP!!
congrats