I have BC envy, need help...

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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I have BC envy, need help...

Postby FICOLICIOUS » Wed Aug 15, 2012 4:03 pm

This is THE card, that I would like to get. My present scores are TU:712 FICO: EQ: 689 FICO; EX: 714 USAA FAKO.

AAoA: ~~13 years; ONE student loan account with numerous 90+ deliquencies (current now for 7 months consistently)

Is there an AMEX card that is upgradable to the Blue Cash Rewards, if you guys dont think I qualify? I don't want to get a HARD pull and deny. I don't mind having an AMEX that is upgradeable after a year or so without another HARD pull

Money card
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Location: New York state

Postby Money card » Sat Aug 18, 2012 10:01 am

theres 2 blue cash cards the basic 1 that gives 3% at grocery stores, 2% at department stores and 2% at gas stations
the higher level card is the perfered in which you get 6% cash back at grocery stores, 3% at gas stations and 3% at Department stores.
this card is free for the first year then theres a 75.00 annual fee.

the Blue card which is a travel card and you get 1 point per dollar, rewards I believe are the same as the Zync. this is a lower level card
mostly sales people have this card theres no annual fee, upgrading this card if it's upgradeable I believe you would be going to the Zync or Green.

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Postby Crashem » Sat Aug 18, 2012 10:15 am

You are probably borderline for blue cards if your fakos are representative of your real credit scores. Big if however. Safe bet would be to go for Amex zync which is much easier to get. Once you are Amex customer, two things happen. Amex values payment history with them so Amex blue cash will be easier to get once you build positive history with them. Two, when Amex customer apps for new card, denials only count as soft pull and approvals count as hard pull. So no wasted inquiries as Amex customer. Also, some evidence seems to suggest Amex co brand cards like delta, Hilton, etc. are easier to get than blue. Someone mentioned they were able to get product change from delta to blue cash which I thought didn't happen. If true, this would be backdoor into blue cash. Btw, three basic types of Amex blue cards: blue cash which gets cash back, blue sky which gets points towards travel expenses, and just blue which earns mr points.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k

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