Declined for AmEx Blue for Students?
Author: Board Monitor
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 487
Posted: Mon Jul 07, 2003 5:09 pm
Post subject: Declined for AmEx Blue for Students?
To All, We have learned that select universities are declining Blue for Student applications. Would love to hear your story if this has happened to you.
Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX
View our latest credit card ratings!
Author: sisflomi
Credit Expert (100+ Posts)
Joined: 07 Nov 2003
Posts: 134
Posted: Tue Nov 11, 2003 11:56 am
I didn't know that blue was just for students. I have seen a lot of folks that are rebuilding trying to get this card.
Sis
Letters Here
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Author: Eugene
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 273
Location: Brooklyn, NY
Posted: Tue Nov 11, 2003 6:23 pm
Curtis, isn't it only AmEx that can decline Blue applications, not the universities? Universities can make a desisioin to not allow credit solicitations on campus, is that what you mean? Sis, there is a "Blue for students" card in addition to the regular "Blue". Theire is also "cashback Blue". Those are the three I know about, maybe there are more.
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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2358
Location: Illinois
Posted: Tue Nov 11, 2003 10:41 pm
Blue is a regular credit card right? Not like the prior American Express credit cards that have the no pre-determined spending limit... which as I now understand is misleading because the company does eventually determine spending limit. I just don't know after everything that I have read about AMEX that I would ever recommend any one doing business with this company, they are over inflacted in their ego I think and don't treat their customers with the best of respect.
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Author: Eugene
(can't login)Guest
Posted: Tue Nov 11, 2003 10:53 pm
Yes, all of the Blue cards are regular credit cards, they have a pre-set credit limit. That "no pre-set spending limit" thing on their charge cards is a big fat joke, I agree with you. I also agree on the "ego" part. It's amazing how they manage to maintain this aura of exclusivity. Their marketing people are geniuses, I think! Their customer service is pretty good, though. Here is the info on all their "Blue" cards: www66.americanexpress.com/cards/Fmacfservlet?csi=0/20/b/80/3154177148/315204745541/20/n/3/38/67/2&from=200&mgmID=undefined.
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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2358
Location: Illinois
Posted: Tue Nov 11, 2003 11:00 pm
Looks like if you had your druthers, then Blue Cashback would be the one to go with, unless you think the point interest would make a difference to go with the first one.
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Author: Eugene
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 273
Location: Brooklyn, NY
Posted: Wed Nov 12, 2003 12:52 pm
Yeah, Blue Cash is good if you pay your balance in full - gives you a little kickback for what you charge (not that little, actually - I got more than a thousand dollars cashback in the latest year from cards like this one). But go with a lower APR card (like regular Blue) if you carry a balance.
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Author: Board Monitor
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 487
Posted: Wed Nov 12, 2003 5:30 pm
Eugene, Yes, you are correct. However, apparently AmEx is declining students from certain universities based on university wide stats (rather than basing their decision on each individual application). This is, of course, their right. I just had never heard of such a policy and was looking for feedback on the subject.
Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX
View our latest credit card ratings!
Author: Guest
Posted: Wed Nov 12, 2003 6:48 pm
My application for Blue Student card was declined because my school, a two year community college, is not in their list. And they sent me a letter stating that they would approve me in my four year college or university. And I am just wondering why AmEx is not welcome everywhere? From paying tuition fees to purchasing groceries, many stores and schools do not accept AmEx. That's the big problem for AmEx card holder.
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Author: nativechild48
Credit Expert (100+ Posts)
Joined: 10 Nov 2003
Posts: 326
Posted: Wed Nov 12, 2003 9:41 pm
Post subject: Amex is declining Blue for students
They are declining blue for students and it is dependent on the school or university. The two year state colleges do not accept Amex in my area and they do not offer it to the students, my son applied but because his 4yr. school does not accept it, he could not get it.
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Author: vince
Joined: 25 Jan 2004
Posts: 1
Posted: Sun Jan 25, 2004 12:44 am
What are the criteria for this card, besides history and 4yr college? thanks
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Author: Guest
Posted: Sat Jun 26, 2004 11:46 pm
I applied for blue for students on friday and it takes 2 weeks to hear back and I'm just wondering if I'll be approved. I have almost no credit history (I have one store card and made 1 purchase w/ it and paid in full on time) and am not working-I get income from my parents. I know this isn't a lot of information but what do you all think?
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Author: maverick
Joined: 17 Apr 2004
Posts: 20
Location: Chicago, IL
Posted: Sun Jun 27, 2004 11:07 am
My experience with getting AmEx has been good. There are other things that I hate about AmEx, but that is a different matter. I go to graduate school. I had applied for and received a CitiBank platinum card for students 6 months before I applied for the AmEx blue for students. I could not get approved online instantly, but I got the card in mail in a few weeks' time. After a couple of months of having that card, I started seeing the AmEx blue cash advertisements. I called up the customer service and asked my card to be upgraded to the Blue Cash card. They said, "Right away". And I received my blue cash card with my next bill. Got a lower APR on that too. A friend of mine (also in grad school) could not get approved for CitiBank student card, but later when he applied to AmEx, received a letter from AmEx asking him some documentary proof that he was indeed enrolled in university. He sent the documents required by them, and got his card. So there you go...my experience with getting the card has been good and I would recommend that card without hesitation.
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Author: rain
Joined: 05 Dec 2004
Posts: 13
Posted: Sun Dec 05, 2004 6:16 pm
I am in Chicago, in a grad program. Had no credit history, international student, the works.. Tried for 1.5 years to apply for cc, got rejected everywhere. *sniff* *sniff* Then I suddenly got approved for Merrill Lynch + visa, AND Amex blue cash. I must emphasise that just 3 months earlier I'd applied for and been denied the Amex blue for student....
The mystery continues. :> R
View our latest credit card ratings!
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 487
Posted: Mon Jul 07, 2003 5:09 pm
Post subject: Declined for AmEx Blue for Students?
To All, We have learned that select universities are declining Blue for Student applications. Would love to hear your story if this has happened to you.
Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX
View our latest credit card ratings!
Author: sisflomi
Credit Expert (100+ Posts)
Joined: 07 Nov 2003
Posts: 134
Posted: Tue Nov 11, 2003 11:56 am
I didn't know that blue was just for students. I have seen a lot of folks that are rebuilding trying to get this card.
Sis
Letters Here
View our latest credit card ratings!
Author: Eugene
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 273
Location: Brooklyn, NY
Posted: Tue Nov 11, 2003 6:23 pm
Curtis, isn't it only AmEx that can decline Blue applications, not the universities? Universities can make a desisioin to not allow credit solicitations on campus, is that what you mean? Sis, there is a "Blue for students" card in addition to the regular "Blue". Theire is also "cashback Blue". Those are the three I know about, maybe there are more.
View our latest credit card ratings!
Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2358
Location: Illinois
Posted: Tue Nov 11, 2003 10:41 pm
Blue is a regular credit card right? Not like the prior American Express credit cards that have the no pre-determined spending limit... which as I now understand is misleading because the company does eventually determine spending limit. I just don't know after everything that I have read about AMEX that I would ever recommend any one doing business with this company, they are over inflacted in their ego I think and don't treat their customers with the best of respect.
View our latest credit card ratings!
Author: Eugene
(can't login)Guest
Posted: Tue Nov 11, 2003 10:53 pm
Yes, all of the Blue cards are regular credit cards, they have a pre-set credit limit. That "no pre-set spending limit" thing on their charge cards is a big fat joke, I agree with you. I also agree on the "ego" part. It's amazing how they manage to maintain this aura of exclusivity. Their marketing people are geniuses, I think! Their customer service is pretty good, though. Here is the info on all their "Blue" cards: www66.americanexpress.com/cards/Fmacfservlet?csi=0/20/b/80/3154177148/315204745541/20/n/3/38/67/2&from=200&mgmID=undefined.
View our latest credit card ratings!
Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2358
Location: Illinois
Posted: Tue Nov 11, 2003 11:00 pm
Looks like if you had your druthers, then Blue Cashback would be the one to go with, unless you think the point interest would make a difference to go with the first one.
View our latest credit card ratings!
Author: Eugene
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 273
Location: Brooklyn, NY
Posted: Wed Nov 12, 2003 12:52 pm
Yeah, Blue Cash is good if you pay your balance in full - gives you a little kickback for what you charge (not that little, actually - I got more than a thousand dollars cashback in the latest year from cards like this one). But go with a lower APR card (like regular Blue) if you carry a balance.
View our latest credit card ratings!
Author: Board Monitor
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 487
Posted: Wed Nov 12, 2003 5:30 pm
Eugene, Yes, you are correct. However, apparently AmEx is declining students from certain universities based on university wide stats (rather than basing their decision on each individual application). This is, of course, their right. I just had never heard of such a policy and was looking for feedback on the subject.
Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX
View our latest credit card ratings!
Author: Guest
Posted: Wed Nov 12, 2003 6:48 pm
My application for Blue Student card was declined because my school, a two year community college, is not in their list. And they sent me a letter stating that they would approve me in my four year college or university. And I am just wondering why AmEx is not welcome everywhere? From paying tuition fees to purchasing groceries, many stores and schools do not accept AmEx. That's the big problem for AmEx card holder.
View our latest credit card ratings!
Author: nativechild48
Credit Expert (100+ Posts)
Joined: 10 Nov 2003
Posts: 326
Posted: Wed Nov 12, 2003 9:41 pm
Post subject: Amex is declining Blue for students
They are declining blue for students and it is dependent on the school or university. The two year state colleges do not accept Amex in my area and they do not offer it to the students, my son applied but because his 4yr. school does not accept it, he could not get it.
View our latest credit card ratings!
Author: vince
Joined: 25 Jan 2004
Posts: 1
Posted: Sun Jan 25, 2004 12:44 am
What are the criteria for this card, besides history and 4yr college? thanks
View our latest credit card ratings!
Author: Guest
Posted: Sat Jun 26, 2004 11:46 pm
I applied for blue for students on friday and it takes 2 weeks to hear back and I'm just wondering if I'll be approved. I have almost no credit history (I have one store card and made 1 purchase w/ it and paid in full on time) and am not working-I get income from my parents. I know this isn't a lot of information but what do you all think?
View our latest credit card ratings!
Author: maverick
Joined: 17 Apr 2004
Posts: 20
Location: Chicago, IL
Posted: Sun Jun 27, 2004 11:07 am
My experience with getting AmEx has been good. There are other things that I hate about AmEx, but that is a different matter. I go to graduate school. I had applied for and received a CitiBank platinum card for students 6 months before I applied for the AmEx blue for students. I could not get approved online instantly, but I got the card in mail in a few weeks' time. After a couple of months of having that card, I started seeing the AmEx blue cash advertisements. I called up the customer service and asked my card to be upgraded to the Blue Cash card. They said, "Right away". And I received my blue cash card with my next bill. Got a lower APR on that too. A friend of mine (also in grad school) could not get approved for CitiBank student card, but later when he applied to AmEx, received a letter from AmEx asking him some documentary proof that he was indeed enrolled in university. He sent the documents required by them, and got his card. So there you go...my experience with getting the card has been good and I would recommend that card without hesitation.
View our latest credit card ratings!
Author: rain
Joined: 05 Dec 2004
Posts: 13
Posted: Sun Dec 05, 2004 6:16 pm
I am in Chicago, in a grad program. Had no credit history, international student, the works.. Tried for 1.5 years to apply for cc, got rejected everywhere. *sniff* *sniff* Then I suddenly got approved for Merrill Lynch + visa, AND Amex blue cash. I must emphasise that just 3 months earlier I'd applied for and been denied the Amex blue for student....
The mystery continues. :> R
View our latest credit card ratings!
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