"Approved"
Blue Cash® from American Express Review
Written by: locnguyun on 2010-12-02
Overall Satisfaction
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locnguyun's review: 
I was sitting here debating whether or not I should pull the trigger or not because of my recent denial from discover about two weeks ago. Since I can't control my urges, I decided to pull the trigger for the AMEX Blue anyway. Instant Approval!! I'm a previous member with AMEX ( ZYNC) for approximately 4 months now, so maybe that's why they decided to approve me. Honestly, I think I'm set on card applications for years now since all my cards are Prime.
Here are the results of all my recent applications:
Discover More-DENIED ( Denied me because I was 20)
Zync- Approved ( 5 months ago)
Citi Diamond Preferred ( 4 months ago)
BofA Accelerated Rewards AMEX ( 3 months ago)
HSBC Best Buy ( I don't remember)
BofA Bankamericard ( 2.5 years ago)
AMEX BLUE CASH ( TODAY!!!)
The last time I checked my score it was 727 on EQU with 2 inquiries.
MAYBE AMEX DECIDED TO APPROVED ME BECAUSE I TURNED 21 THREE DAYS AGO!!!
I was sitting here debating whether or not I should pull the trigger or not because of my recent denial from discover about two weeks ago. Since I can't control my urges, I decided to pull the trigger for the AMEX Blue anyway. Instant Approval!! I'm a previous member with AMEX ( ZYNC) for approximately 4 months now, so maybe that's why they decided to approve me. Honestly, I think I'm set on card applications for years now since all my cards are Prime.Here are the results of all my recent applications:
Discover More-DENIED ( Denied me because I was 20)
Zync- Approved ( 5 months ago)
Citi Diamond Preferred ( 4 months ago)
BofA Accelerated Rewards AMEX ( 3 months ago)
HSBC Best Buy ( I don't remember)
BofA Bankamericard ( 2.5 years ago)
AMEX BLUE CASH ( TODAY!!!)
The last time I checked my score it was 727 on EQU with 2 inquiries.
MAYBE AMEX DECIDED TO APPROVED ME BECAUSE I TURNED 21 THREE DAYS AGO!!!
13 Comments
Comment 1 by finance globe
Re: Approved 
on 2010-12-02
Happy 21st birthday, and congratulations on your approval. Don't take it for granted, and keep up the good work!
on 2010-12-02 Happy 21st birthday, and congratulations on your approval. Don't take it for granted, and keep up the good work!
Comment 3 by joeyman
Re: Approved on 2010-12-02
Nice job, and Happy Birthday! How much is your limit?
on 2010-12-02 Nice job, and Happy Birthday! How much is your limit?
Comment 4 by locnguyun
Re: Approved on 2010-12-02
Thank you,
I only received an instant approval decision, I will call tomorrow to check my apr, CL and let you guys know!
on 2010-12-02 Thank you,I only received an instant approval decision, I will call tomorrow to check my apr, CL and let you guys know!
Comment 5 by wanderer
Re: Approved on 2010-12-02
Congrats! You seem to have covered your credit needs well.
on 2010-12-02 Congrats! You seem to have covered your credit needs well.
Comment 7 by ari
Re: Approved on 2010-12-02
Good luck on not pulling the trigger. What about Chase Freedom? LOL. I'm addicted to plastic as well but I have to refrain because I have a house being built and I'm being watched by the Mortgage police. I'm living vicariously through you guys but once I sign those mortgage documents, I'm going for the gusto! Seriously though, I'm sure we all know to use credit wisely. I just like the way the cards look in my wallet.
on 2010-12-02 Good luck on not pulling the trigger. What about Chase Freedom? LOL. I'm addicted to plastic as well but I have to refrain because I have a house being built and I'm being watched by the Mortgage police. I'm living vicariously through you guys but once I sign those mortgage documents, I'm going for the gusto! Seriously though, I'm sure we all know to use credit wisely. I just like the way the cards look in my wallet.
Comment 8 by locnguyun
Re: Approved on 2010-12-02
"Good luck on not pulling the trigger", I did pull the trigger and I was approved...
on 2010-12-02 "Good luck on not pulling the trigger", I did pull the trigger and I was approved...
Comment 9 by locnguyun
Re: Approved on 2010-12-02
I just found out my CL, it's 2000 CL with 0% intro apr for 6 months and 19% thereafter. Hopefully, I can have the apr reduce later on but right now it wouldn't do much anyway because I hardly ever keep a balance. I believe they gave me only 2000 CL because I'm a full-time student without a stable income.
on 2010-12-02 I just found out my CL, it's 2000 CL with 0% intro apr for 6 months and 19% thereafter. Hopefully, I can have the apr reduce later on but right now it wouldn't do much anyway because I hardly ever keep a balance. I believe they gave me only 2000 CL because I'm a full-time student without a stable income.
Comment 11 by locnguyun
Re: Approved on 2010-12-02
"Congrats, in six months you can ask for a cli." I asked the CSR today about CLI as well. I was told I can request one after 60 days( if I recalled correctly). Lol I don't even remember...
on 2010-12-02 "Congrats, in six months you can ask for a cli." I asked the CSR today about CLI as well. I was told I can request one after 60 days( if I recalled correctly). Lol I don't even remember...
Comment 12 by thomas1
Re: Approved on 2010-12-05
You can ask for an increase at that time of 3x the current credit limit!!!
on 2010-12-05 You can ask for an increase at that time of 3x the current credit limit!!!
Comment 13 by locnguyun
Re: Approved on 2010-12-05
That would be awesome, 2000 CL is actually my second highest CL among all my cards. What can I expect with an AAOA of only 1 year, oldest account at 2.7 year and very little income(full-time student). Once my account start aging at 1-2 year mark or If I get higher paying salary career, then I'll bother AMEX for a huge CLI. For the meanwhile, I'm just glad that I was approved for the Blue Cash and willing to accept anything offers. This is definitely great cash back card, if heavy usage is made on it. Hopefully, I can have the ability to that one day.
on 2010-12-05 That would be awesome, 2000 CL is actually my second highest CL among all my cards. What can I expect with an AAOA of only 1 year, oldest account at 2.7 year and very little income(full-time student). Once my account start aging at 1-2 year mark or If I get higher paying salary career, then I'll bother AMEX for a huge CLI. For the meanwhile, I'm just glad that I was approved for the Blue Cash and willing to accept anything offers. This is definitely great cash back card, if heavy usage is made on it. Hopefully, I can have the ability to that one day.
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Disclaimer: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. Review content is powered by Finance Globe.
