Credit Tips: Amex Blue Credit Card Tips

Posted On: January 1, 2006

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Posted: Thu Sep 23, 2004 11:42 pm
Post subject: Amex Blue Credit Card Tips
Joe
Date: 2/27/2001 5:20 pm CDT

Does anyone here know what kind of scores, income, etc. you need to get Amex’s Blue card. I recently got instant approval for a Juniper card and I have read on message boards you need at least a 680 FICO to get that. I already have an Amex Optima card, it has a $9400 limit and 13.5% APR. Do they factor that in? I tried to get Blue when it first came out but I was rejected. I’m sure my scores have gotten better since that time, I don’t really know. It would be great if we had a way to tell our credit scores month to month to see what they are doing, wouldn’t it?

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Posted: Thu Sep 23, 2004 11:42 pm
Post subject: Amex Blue Credit Card Tips

Dani
Date: 2/27/2001 6:40 pm CDT

Joe:

I would reapply for the Blue card. If you have the Juniper card and an Amex Optima there should be no reason you not be able to get Blue. I believe Amex’s approval rating is 680 or higher. That seems to be the magic number in the industry. I got the Blue in 1999 - great customer service and good benefits. Unfortunately, they will not reduce my interest rate, but hopefully you will qualify for the 9.99%.
Good luck.

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Posted: Thu Sep 23, 2004 11:42 pm
Post subject: Amex Blue Credit Card Tips
spike
Date: 5/25/2001 8:06 pm CDT

Dani,

Unless you know for sure what a lenders FICO cutoff is, don’t lead someone along and say you think it is “680″ or so. You have no friggin’ idea unless you are a lender for the company in question, because I know no analyst that will divulge what their employers’ credit strategy is. How about you find a message board to post on that you might know a little more about. How about knitting?

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Posted: Thu Sep 23, 2004 11:43 pm
Post subject: Amex Blue Credit Card Tips

Eugene
Date: 2/27/2001 10:21 pm CDT

You can also ask AmEx if they can upgrade your account from Optima to Blue. It might be possible.

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Posted: Thu Sep 23, 2004 11:43 pm
Post subject: Amex Blue Credit Card Tips

credit smart
Date: 3/1/2001 5:33 pm CDT

AMEX don’t do any upgrades at all.You have to apply for the blue by itself.You can have multiple credit accounts with them.