Blue Cash® from American Express Review
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Written by: nckuttoomm on 2010-09-09

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nckuttoomm's review: Callout Comment Approved~~~

Credit line = 2500

Equ/Exp/Tra = 713/685/709

8 hard inquiries from Experian

Average balance/CL ratio < 20%

Credit history = 2.5 yrs

Average credit line = 2500

Highest credit line = 4000

I think Experian was pulled.

Since I found someone to use the same card with me in supermarkets and gas stations, it is not so hard to spend 6500 per year to have the 5% cash back. I thought I'm going to be rejected because the average CS is around 20 points lower than 3 months before (4 credit cards applied and also approved in three months) and I always have high number of hard inquiries from Experian. However, I still got approved. The reason could be I also have the AMEX_costco card for 4 months? Or maybe the Discover on my report help a bit, too?

Anyway, all my credit cards with no annual fee and this is the end of my crazy credit card application journey. Have to say byebye to the Chase Freedom for the walk off approval from AMEX.


Comment 1 by wanderer
Re: Approved User Icon on 2010-09-09

Remarks WOW! Congratulations! You really have put the credit mix together. Good scores. Likely to improve as inquiry's drop off and your average accounts age.
Comment 2 by ari
Re: Approved User Icon on 2010-09-10

Remarks Congratulations! Thanks for the comprehensive background of your credit history. Very helpful. I heard that American Express pulls from all three, but I'm pretty sure they like to pull from Experian, most creditors seem to prefer Experian.
Comment 3 by joeyman
Re: Approved User Icon on 2010-09-10

Remarks Congrats! I am so applying for this card this February. By that time, about four inquiries will fall off my report. :D
Comment 4 by colonative
Re: Approved User Icon on 2010-09-14

Remarks Congrats on your approval!

When Amex pulled my bureau 2 years ago it was only Experian not all three.

Joeyman I thought you wanted the Costco True Earnings card?
Comment 5 by nckuttoomm
Re: Approved User Icon on 2010-09-15

Remarks To Joeyman & ColoNative:

Don't worry, I got both. Both of them pulled Experian.

I think only Capital One pulls more than one right~?
Comment 6 by thomas1
Re: Approved User Icon on 2010-11-19

Remarks Capital One pulls all 3. As far as Amex goes, I've also seen them pull Equifax for this card.

Usually is Exp, but it's never set in stone.
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