Been reading the forums abit. Planning to get my 2nd credit card (technically 3rd, I have a 3 month old Macys card I used once and paid in full). I'm looking for some guidance. Wondering if I have a shot at an AMEX Blue Cash Everyday. I get junk mail saying I'm approved for AMEX Blue Sky all the time, not sure if that means anything though.
My motivation is my current CitiCard doesn't have any cash back rewards. Of my monthly budget I spend: $700/rent, $300 utilities, $400 groceries, $70 on public transit. BCE seems to make sense, as does talk of the US bank
I'm 23 years old. I've had a Citi Platinum Select card since I was 18. Always paid on time, in full. ~80% of the time I use about 20-25% of my limit (set at $1,200).
Recently completed graduate studies. 43k salary. Lots of students loans (60k+). Beginning payments next month. Cosigned with father for the loans (whose credit score is over 800). Does that explain the AMEX mail I get? I thought someone in my situation doesn't get pre-approved for AMEX.
Guidance greatly appreciated