Well I have succeeded in doing what I set out to do, and it's thanks to the help I got on here. I wanted two good cards, one for everyday charging (rewards) and one for emergencies (high limit). I have told most of you about my Bank One Platimum Disney Visa, which is just a fun card to have. The rate is not great (11.15% variable) but I am not carrying a monthly balance. I chagred up $1,200 in the first two weeks at Disney World when we went last weekend and already paid it off. I didn't even have a due date yet! Yesterday, I applied for the Amex Blue card. Just called in and they could not approve it online because my last name has an apostrophe in it and they wanted to call me first to make sure I wanted the apostrophe on the card! Anyway, I got 9.99% fixed, which is what I wanted on a card that was for emergencies that would end up carrying a balance if I needed to. Also got a $8,000 limit on it to start. Therefore, in two weeks of scoping out what I wanted, I was able to secure $13,000 in CL's and was 2 for 3. Citibank was whacked out and kept giving me the run around, so I called and cancelled that application. They scared me! Thanks again all, I love my Disney Visa, and I am sure I will enjoy the Amex Blue. Anyone have any pointers or tips that they can give me on the Amex Blue and just how you like it in general?
i love the amex blue i have the blue for business but its not as good looking as the personal blue. i get compliments galore. The rates are okay. Not really to write home about. but i have 5 amex cards, they dont really have a limit. you can have a ton of them. business personal whatever. i use it and get compliments on it all the time. Amazing, some kid with blue finger paint splashed a thumb on a window and voila the best looking CC of all time. lol.
Congratulations on the Amex Blue card! I've been turned down three times now. You're in great shape now, but I really don't think you're done forever. After you've had your two good cards for a few years, you'll be able to do much better than a 9.99% APR or a $5000 limit. Which would make me even more jealous than I am now.
Congratulations!!!! That is still my "goal" card. But, since they stopped pulling EQ in TX and started pulling EX, I am going to have to wait until I finish dealing with them. Have fun shopping!
Thanks schweb, hey what's the difference between the Blue and the Blue Cash? I didn't realize there was two different kinds.
The basic difference is that Blue Cash gives a cash rebate, sort of like the old AmEx Cash Rebate card, to which Blue Cash is the obvious successor. I would imagine that Blue cash is a bit harder to get as well, but I don't know for sure.
Re: Re: Re: Amex Blue approved! I How long did y'all wait to get the 8.99%? In other words, how soon is too soon to ask for the reduction?
Re: Re: Re: Re: Re: Amex Blue approved! I I WAITED TOO LONG!!! I'M A 10+ YEAR MBNA CUSTOMER...THAT IS WHY THEY CAN'T "SEE" THE 7.99% ABOUT 8 YEARS NO LIMIT INCREASE!!! UYGF
Weather, just curious.....did you have any other new credit reporting (like the disney visa) if so how much? Do you have several cards or are these two it? I want to be alllll prepared when I apply for something like that. No inq, no new credit......lol.
Amy...... You know my thing with the Disney Visa and it was the first credit card I have had in 4 years. It's not even reporting yet. Amex gave me that $8000 limit, because I have one revolving tradeline (a loser home improvement loan that was not supposed to be revolving) at $8000. They seem to just have checked my report, seen my score (749) and matched my highest tradeline of $8000. I say this because they called me and they asked me if I wanted to a BT, yeah, they called me, I said no, because I wouldn't have enough room. They called to welcome me and they checked for me. The guys exact words were, "well $8000 is the highest the system will go becuase it's your highest tradeline." He also said that if my other tradelines go up anytime soon to call back and get the increase by that much. Other than that he said give it 6 months and they will raise it for sure. We shall see. Lemme know if you want anymore particulars.
