read curb! lol
You guys are so knowledgeable on here! Thanks, you are a great resource. I really want an AMEX Blue card but some of the posts on here are making me apprehensive in applying. First off, I don't understand why you have to "convert" to a Blue card instead of applying for one straight out.
Next, after reading all the posts about FICO scores, I'm afraid mine will be lowered if I apply for another card. My current score is 771 and I've applied for (and received) 3 cards this year starting in May, latest one being in June.
All together I have:
WAMU Platinum MC with a cl of 7k (balance 136.00)
Wells Fargo platinum Visa with a cl of 9k (balance 150.00)
Chase Plat Visa with a cl of 7k (328.00)
2 Pentagon Federal Credit Union Visas, one with a 10k cl (balance 138.00) and the other with a 23,9k cl (balance 3088.00 because I did a balance transfer)
Macy's charge which I've had forever (zero balance).
I also have a small ELOC from WAMU of 65k (zero balance) which has the lowest interest rate and which I'm thinking of buying a new car with next year.
I really want that AMEX card but if they turn me down I will be upset!! They might say I have too much credit? All my cards are rewards cards but I must say the WAMU one is the worst one as far as rewards. Their program is tacky. I'm not going to cancel it but I was going to keep it but use the AMEX one in it's stead. It goes in the "sock drawer"!
@Anonymous wrote:You guys are so knowledgeable on here! Thanks, you are a great resource. I really want an AMEX Blue card but some of the posts on here are making me apprehensive in applying. First off, I don't understand why you have to "convert" to a Blue card instead of applying for one straight out.Next, after reading all the posts about FICO scores, I'm afraid mine will be lowered if I apply for another card. My current score is 771 and I've applied for (and received) 3 cards this year starting in May, latest one being in June.All together I have:WAMU Platinum MC with a cl of 7k (balance 136.00)Wells Fargo platinum Visa with a cl of 9k (balance 150.00)Chase Plat Visa with a cl of 7k (328.00)2 Pentagon Federal Credit Union Visas, one with a 10k cl (balance 138.00) and the other with a 23,9k cl (balance 3088.00 because I did a balance transfer)Macy's charge which I've had forever (zero balance).I also have a small ELOC from WAMU of 65k (zero balance) which has the lowest interest rate and which I'm thinking of buying a new car with next year.I really want that AMEX card but if they turn me down I will be upset!! They might say I have too much credit? All my cards are rewards cards but I must say the WAMU one is the worst one as far as rewards. Their program is tacky. I'm not going to cancel it but I was going to keep it but use the AMEX one in it's stead. It goes in the "sock drawer"!
Queen... you can get a Blue card. No need to convert. Just apply for the Blue. That's all there is to it.
Well all, I did apply and guess what? I didn't get a "60 second approval!" They gave some message about their system being worked on and I could check the status. Boy, that's a shocker.
I applied for the rewards Blue, not the cash back one. They got some nerve not approving me right away. We shall see but I am not going to keep going to their site to check my application status. Either I get it or I don't. Only thing is I HATE having another "hit" on my credit if it's not approved. I'll let you all know...
We shall see but I am not going to keep going to their site to check my application status. Either I get it or I don't. Only thing is I HATE having another "hit" on my credit if it's not approved. I'll let you all know...