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Second Large Card - AMEX Blue Cash Everyday

New Visitor

Second Large Card - AMEX Blue Cash Everyday

You guys helped me out with a Chase Sapphire Preferred 8 months and that has been going well.  They upped my CL on their own to $10k.

 

I wanted a second card with 0% apr and hopefully a high starting CL to make a couple large purchases so I researched here and figured I'd try for an AMEX.

 

I got approved!  Starting CL - $15k 

 

Anything I should know about their payment process?  I have heard its not exactly like other credit cards.. something to do with payment plan or something.

Message 1 of 10
9 REPLIES
Community Leader
Valued Contributor

Re: Second Large Card - AMEX Blue Cash Everyday

Congrats on your approval. 

Treat your payments like any other cc account. They do offer a “plan it” feature, but you don’t have to use it. 

AMEX PLATINUM, DELTA PLAT & SPG | PenFed PR | NFCU FS | Discover IT | CAP1 QS & VENTURE | LOWES l NORDSTROM I WAYFAIR I
Message 2 of 10
Community Leader
Super Contributor

Re: Second Large Card - AMEX Blue Cash Everyday

Amazing limitSmiley Happy Pay it like any other cc, on time and in full when possible. Not end of world if you carry but i believe they appreciate when you pifSmiley Wink



Gardening since 6/13/18
Goal: No hps or cli requests at least til 1/1/19, 7/13/20 preferable
Message 3 of 10
Valued Contributor

Re: Second Large Card - AMEX Blue Cash Everyday

Fantastic starting line. Congrats.

Data points?


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8
Message 4 of 10
Established Contributor

Re: Second Large Card - AMEX Blue Cash Everyday

The Amex Blue Cash Everyday is a credit card; the process of making payments is no different from any other credit card payment.  Amex offers a feature called "Pay Over Time" that allows extended payments but that's exclusively for "charge" cards; not credit cards.

 

Also note that Amex only allows you to "pull" one payment from your bank until your first statement is cut.  If you need to make more than a single payment in your first month then the workaround is to "push" payments from your bank instead of "pulling" payment via the Amex website.

08/20/17 FICO 8: EQ 663; EX 644; TU 643
06/01/18 FICO 8: EQ 752; EX 726; TU 728


Message 5 of 10
New Visitor

Re: Second Large Card - AMEX Blue Cash Everyday


4theLoveofPoints wrote:
Fantastic starting line. Congrats.

Data points?

What do you mean by data points?

 


PackWiz wrote:

 

Also note that Amex only allows you to "pull" one payment from your bank until your first statement is cut.  If you need to make more than a single payment in your first month then the workaround is to "push" payments from your bank instead of "pulling" payment via the Amex website.

 

Thanks for the advice!

Message 6 of 10
Established Contributor

Re: Second Large Card - AMEX Blue Cash Everyday

Smiley Happy C O N G R A T U L A T I O N S
OpenSky®VSA: $375 | First ProgressMC: $404 | CapOneMC: $605 | CapOneQSMC: $2350 | Cabela'sVSA: $4000 | Barclaycard® RewardsMC: $20000 | BlazeMC: $2000 | First SavingsMC: $1500 | LegacyVSA:$1750 | AMEX BCP®: $9000 | AMEX Hilton Honors™: $6000 l Discover: $5300 | Chase Freedom: $4800 | Chase SLATE: $3800 | CSP®: $7000 | United MileagePlus®: $7000 | Amazon RewardsVSA: $4800 | Old Navy: $4500 | Gap: $4500 | Banana Republic: $4500 | Walmart: $10000 | SamsClub:$10000 | AEO®VSA: $8000 | TJX MC: $6000 | Amazon: $4000 | Belk: $5000 | Macy's: $20000 | J.Crew: $3000 | Overstock: $6200 | SMG VSA: $3800 | Abercrombie: $2100 | Express: $2900 | Buckle: $2500 | Kay: $6750 | PayPal: $3520 | Citi® / AAdvantage® Platinum: $16000 ***FICO08 as of: Dec 19th 2017-EX: 731 | EQ: 727 | TU: 756***



Message 7 of 10
Established Contributor

Re: Second Large Card - AMEX Blue Cash Everyday

Congrats! Thats a great SL. What are your stats? A few of us would like to know about your success.

 

Robot Very Happy


Message 8 of 10
Established Member

Re: Second Large Card - AMEX Blue Cash Everyday

There is also a number you can call and they pull your payment if it is in the system already. You can call as often as you like. If I find it when I get home I will post it. I just got in with Amex 3 months ago and it is how I made several payments in my first month.
Starting: EX 476,EQ 501,TU 488 (03/10/17)
Current: EX 729,EQ 727,TU 732(05/25/18)
Goal FICOs: EX 750, EQ 750, TU 750
Message 9 of 10
Regular Contributor

Re: Second Large Card - AMEX Blue Cash Everyday

One word of warning on the BCE...

 

I know you wanted a good 0% card but if you're intending on carrying a balance with Amex just know in advance that it will most likely cause denial of a future credit limit increase. Just for me personally, I would try and find another card to carry a little bit of a balance on so you can have success with the 3x CLI, I would just ask for 30k when you request it otherwise they'll likely ask for a 4056-T form to pull your taxes. Having a 30k limit on your credit definitely helps all future credit endeavors (as long as you don't abuse it).

 

Just my .02 anyway.

 

-Glenn

{Cap1 Quicksilver: $850} {Discover It: $2.2k} {Amex BCE: 20k} {Wells Fargo Cash Wise: $6k} {Sam's Club Credit: $967} {Barclaycard Ring: $750} {Chase Slate: $14.2k} {Wal-Mart MC: $7.9k} {Chase Amazon: $1.3k} {Target RedCard: $800} {AU on BofA card: $15k} {Sams MC $2.4k} {US Bank Cash+ $7.2k} {BofA Business Cash Rewards $5.5k} {Citi DC $8.1k} {Uber Visa $3.6k} {USAA Cash Preferred $2k} {NFCU somethin card $3.9k} {Alliant CU somethin card $7,500} {Lowe's MC $3.0k}
Message 10 of 10