AmEx Blue Credit Card Offer
Guest: chrys
Post subject: AmEx Blue Credit Card Offer
Posted: Tue Jan 16, 2007 10:05 am
I really would like to be offered this card. Some questions:
1. Does American Express offer BT checks with this card?
2. If so, what's the fee?
3. I'm waiting for offer in the mail rather than doing a cold request. My FICO is about 745. Is that good enough? I have about 9 inquiries within the last 2 years which I know if high but I can't do anything about that. My utilization rates on 4 of my active cards is under 30% for each one with an overall utilization rate under 20%.
The BT would be used to pay down an auto loan.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Tue Jan 16, 2007 10:17 am
chrys wrote:
I really would like to be offered this card. Some questions:
1. Does American Express offer BT checks with this card?
2. If so, what's the fee?
3. I'm waiting for offer in the mail rather than doing a cold request. My FICO is about 745. Is that good enough? I have about 9 inquiries within the last 2 years which I know if high but I can't do anything about that. My utilization rates on 4 of my active cards is under 30% for each one with an overall utilization rate under 20%.
The BT would be used to pay down an auto loan.
WHAT BLUE???
CASH???
NO CASH???
THEY HAVE ON-LINE BT's
Some have a fee some don't ($75 or $0)
You have to look at YOUR SPECIFIC OFFER
Even "IF" they tell you $75...you can call and get that waived
You can also sometimes get a lower BT rate on the phone
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: chrys
Posted: Tue Jan 16, 2007 10:27 am
The non-cash one which I believe is called Blue by American Express. It has a longer period of 0% (15 months).
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: angelo21
Posted: Tue Jan 16, 2007 3:40 pm
chrys wrote:
I really would like to be offered this card. Some questions:
1. Does American Express offer BT checks with this card?
2. If so, what's the fee?
3. I'm waiting for offer in the mail rather than doing a cold request. My FICO is about 745. Is that good enough? I have about 9 inquiries within the last 2 years which I know if high but I can't do anything about that. My utilization rates on 4 of my active cards is under 30% for each one with an overall utilization rate under 20%.
The BT would be used to pay down an auto loan.
With a score of 745 your in great shape. Amex allows a free BT if requested upon solicitation. After that it's $5.00 or 3%, whatever is higher. It has no cap.
The duration (6, 13 or 15 months) will be determined by them at the time of your application based on your data.
If something is good it is that you don't have an annual fee.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Tue Jan 16, 2007 8:33 pm
chrys wrote:
The non-cash one which I believe is called Blue by American Express. It has a longer period of 0% (15 months).
15 months MAY be purchases only
Read all the fine print carefully
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Post subject: AmEx Blue Credit Card Offer
Posted: Tue Jan 16, 2007 10:05 am
I really would like to be offered this card. Some questions:
1. Does American Express offer BT checks with this card?
2. If so, what's the fee?
3. I'm waiting for offer in the mail rather than doing a cold request. My FICO is about 745. Is that good enough? I have about 9 inquiries within the last 2 years which I know if high but I can't do anything about that. My utilization rates on 4 of my active cards is under 30% for each one with an overall utilization rate under 20%.
The BT would be used to pay down an auto loan.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Tue Jan 16, 2007 10:17 am
chrys wrote:
I really would like to be offered this card. Some questions:
1. Does American Express offer BT checks with this card?
2. If so, what's the fee?
3. I'm waiting for offer in the mail rather than doing a cold request. My FICO is about 745. Is that good enough? I have about 9 inquiries within the last 2 years which I know if high but I can't do anything about that. My utilization rates on 4 of my active cards is under 30% for each one with an overall utilization rate under 20%.
The BT would be used to pay down an auto loan.
WHAT BLUE???
CASH???
NO CASH???
THEY HAVE ON-LINE BT's
Some have a fee some don't ($75 or $0)
You have to look at YOUR SPECIFIC OFFER
Even "IF" they tell you $75...you can call and get that waived
You can also sometimes get a lower BT rate on the phone
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: chrys
Posted: Tue Jan 16, 2007 10:27 am
The non-cash one which I believe is called Blue by American Express. It has a longer period of 0% (15 months).
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: angelo21
Posted: Tue Jan 16, 2007 3:40 pm
chrys wrote:
I really would like to be offered this card. Some questions:
1. Does American Express offer BT checks with this card?
2. If so, what's the fee?
3. I'm waiting for offer in the mail rather than doing a cold request. My FICO is about 745. Is that good enough? I have about 9 inquiries within the last 2 years which I know if high but I can't do anything about that. My utilization rates on 4 of my active cards is under 30% for each one with an overall utilization rate under 20%.
The BT would be used to pay down an auto loan.
With a score of 745 your in great shape. Amex allows a free BT if requested upon solicitation. After that it's $5.00 or 3%, whatever is higher. It has no cap.
The duration (6, 13 or 15 months) will be determined by them at the time of your application based on your data.
If something is good it is that you don't have an annual fee.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Tue Jan 16, 2007 8:33 pm
chrys wrote:
The non-cash one which I believe is called Blue by American Express. It has a longer period of 0% (15 months).
15 months MAY be purchases only
Read all the fine print carefully
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 2:33 PM
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