Received Blaze Mastercard

[Red1Blue]

Today, I received the Blaze Mastercard with $500 Credit Limit. I called to see if they would waive the AF of $75 but they said no. They allow only 2 ACH payments / statement cycle. That very much limits the use of the card if I can not spend and pay. I guess I'll use it once or twice a month for gas and pay it off in full and see what happens in the future. From what I read they might waive the AF after 1 years and give Credit Limit Increase. I guess it will be one more card on my report showing the positive activity.

Update - 4/28/2020

Just now received the Alert from EX. New Blaze Mastercard account reported on EX.  I paid AF yesterday on their website and it is cleared today. That is quick.

[SweetCreditObsession]

Congratulations on the approval! I'm unfamiliar with their policies but hope it works out well for you. Please keep us posted. Best wishes.

[Anonymous]

Congratulations on your approval!

[AllZero]

Congratulations on your approval!

[Anonymous]

"Balze Mastercard"

  How is that pronounced?

Congrats on your approval.

[Red1Blue]

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@Anonymous wrote:

"Balze Mastercard"

  How is that pronounced? 

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Sorry for the Typo. It is Blaze Mastercard.

[Anonymous]

Contrats! 

I also have Blaze one of the first since my BK7. I charged and pif every month before statement cut. It's a great rebuilding card and they do give CLIs ; mine was automatic after literally 6 months ($350 --> $850). I will try to waive the AF closer to the one year mark, if they don't I might cancel the card. The 2 ACH rule is a hassle if you like to make micro payments like I do, and got caught once with a 4.95$ debit fee because I exceeded their 2-ACH limit and I wanted to pif before statement cut. One thing that I noticed is that it takes forever for transactions to post and so if you're wanting to pif before statement cuts, don't charge anything for a week before it does. Good luck!

[Red1Blue]

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@Anonymous wrote:

Contrats! 

I also have Blaze one of the first since my BK7. I charged and pif every month before statement cut. It's a great rebuilding card and they do give CLIs ; mine was automatic after literally 6 months ($350 --> $850). I will try to waive the AF closer to the one year mark, if they don't I might cancel the card. The 2 ACH rule is a hassle if you like to make micro payments like I do, and got caught once with a 4.95$ debit fee because I exceeded their 2-ACH limit and I wanted to pif before statement cut. One thing that I noticed is that it takes forever for transactions to post and so if you're wanting to pif before statement cuts, don't charge anything for a week before it does. Good luck!

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Hi, Thanks for your input. I have to see how the card and payments are going to work out. If I can not use and pay then not sure why I am paying $75/year. To be honest with Indigo though I have only $300CL, I can use it and pay it off using the BillPay or on their website. Payments to Indigo post very quickly. Let me see how things goes with Blaze. I guess it will be one of the cards to use sparingly and sock drawer it. I see you have Indigo card. Are you planning on keeping it? My card has an AF of $99 due in September. Not sure if I want to keep it or let it go in September when the AF is due.

[Anonymous]

Indigo is the first one to go if they don't waive that fee. Losing that $300 CL in August (before 1 year anniversary) is not going to dent my scores nor my AAoA; I will have rehabbed student loans (20+ years ago) on my CR to age my AAoA anyway in June.

[TattnallTrio]

One of the ways around the 2ACH rule is to mail a money order or cashiers check. Blaze doesn't accept electronic bill pay payments. They waived the annual fee for me on the first and second anniversary. This card is "ok" but doesn't have any rewards or benefits.