You last visited: Today at 03:07 PM
|Topic Review (Newest First)|
|09-27-2014 10:47 AM|
|09-11-2014 11:26 AM|
|justdefend||Just received the Blue Everyday Cash offer for spend $500 in three months and receive $150 cash back. It's targeted and included a RSVP number.|
|08-24-2014 10:47 AM|
Cardmatch had a Amex gold rewards offer for me about 6 weeks ago...
Spend $1k, get $500 credit. I really wanted the blue cash preferred $250 offer, but jumped on the gold rewards offer... Will cancel eventually to get away from the $175 fee - really want the 6% at grocery stores mostly.
Anyway - since I jumped on that $500 offer, no nice cardmatch offers for me. This is the second time in a year I got a credit card for a $500 credit, never ever done it before.. (The other was Chase Sapphire)
My FICO is ~800, was over, but then after the recent Amex card, now just under.
|07-29-2014 12:40 PM|
|07-23-2014 08:56 PM|
|07-23-2014 08:53 PM|
|holycow1||I just got an offer for $250 after $1,000 in purchases after 3 months for the Blue Cash Everyday. So, no annual fee and $250... YMMV of course but worth trying to match. My offer expires Sept 16, but it was the second one I received (the other one expired August 28th or something)|
|07-23-2014 08:47 PM|
|comeback||You can call them to get the $100 after $1000 in 3 months spend offer even if you are a current Amex offer.|
|07-17-2014 04:47 PM|
On a side note, this is why many people recommend applying for additional Amex cards in January, as it gives the best boost to account age. Applying just a day earlier (12/31) would result in a 12 month loss in account age.
Granted this applies more for people with minimal credit, or with a low AAoA already. If you have a good history, the benefits aren't as noticeable.
|07-17-2014 03:58 PM|
|07-17-2014 03:40 PM|
Whenever you get a new Amex account, the MSD (member since date) will always reflect the year you first became an Amex card member - even if there was a period of time between having cards. This is a SUPER bonus, as this is the date reported for the age of the account to the credit bureaus, and very few people are aware of it. It's not always automatic - sometimes a glitch prevents it and you need to call and have them manually adjust it, but they will if they can verify you were a cardmember. While being an AU will start the clock, the MSD date benefit will only apply to primary cards - so if you become an AU on a new card, the MSD on your credit report will remain the current year, though the card itself will say the earlier one if applicable.
What this means is, if you had a card back in 1990 and opened up a brand new one today, the credit report will reflect an account open date of 7/1990. That's an extra 24 year AAoA bonus to your credit report/score. Note that the month will always be the accurate one. That could raise your score significantly depending on the individual report overall.
Thus, the way this works, your new card might actually have a better value to your report then the older one (though trivial at best). Let's say your first Amex was opened in November 2010 and you got this new one today. The first card would reflect an account open date of 11/2010, and the new one would show 7/2010 (four months earlier). So from that standpoint, it has a better AAoA effect even though it's brand new.
Other factors should be taken into consideration though, such as activity on the card, credit limit, etc.
Also remember that good stuff stays on your report for a long time (~7 years), so even if you close out an account, the age will still be a positive factor, though the credit limit will cease to have much impact.
|07-17-2014 01:23 PM|
So all the online everyday card applications I see are $150 bonus but only for new amex customers. So I called them and she said that she has the same offer but it only says that you cant have the everyday card earlier (and not the generic can't be an amex customer)
So I applied, lets see if I get the promo. So folks, you can just call and get the promo, no need for all the creditmatch drama.
Also, looking for some advice, I have an old amex blue cash card, I didnt convert that to everyday blue cash as I wanted the su bonus. But I dont want to cancel it either as that account it very old. Whats the best approach? I guess I just keep both for now and later cancel the everyday and convert the old blue cash to everyday? thanks
|07-16-2014 04:02 PM|
I already have blue cash but wanted blue cash everyday
|07-16-2014 03:34 PM|
|07-16-2014 03:13 PM|
|comeback||Looks like the last 4 of social are now required on credit match, it won't let me proceed without that|
|06-25-2014 05:30 PM|
I couldn't get the Blue Cash offer when I just tried it.
Just got the AMEX Premier Gold instead.
|This thread has more than 15 replies. Click here to review the whole thread.|