Drlosi

1 Contributions 37 People Helped

Member Since: July 2016

Most Helpful Contribution

Blue Cash Everyday® Card from American Express

Mar 11, 2019
Great starter card and everyday card
Helpful to 37 out of 37 people

I didn't have bad credit, I just had no credit. Spent 30 years paying cash or using my debit card. Decided I needed to play the game if I wanted a good credit score. 7 months after I got my very first credit card (Cap One $2,500 limit), I applied for a Blue Cash card. I was disappointed they didn't offer me the bonus, but beggars can't be choosers. I was only approved for $500 with a 669 Experian score. I used the card for gas and groceries and little oddball stuff. Made one payment a week and only let $20 go to statement each month. Made my payments and after 5 months they raised my limit to $1000. I kept doing the same thing, make a payment a week and only let $20 go to statement each month. After 10 months they raised my limit to $3,000 with a 708 Experian score. Amex has been great on the customer service and their phone app is easy to use. Payments post almost immediately. I plan on upgrading the card to the Preferred card after I have had it for a year as I spend more than $66 a week on average for groceries. So far I have run into only two places that haven't taken an Amex card, Great Clips and most doctors offices. It is a great card and Amex will treat you right if you treat your credit right. Highly recommend. 

Activity (1 Total Contributions)

Blue Cash Everyday® Card from American Express

Mar 11, 2019
Great starter card and everyday card
Helpful to 37 out of 37 people

I didn't have bad credit, I just had no credit. Spent 30 years paying cash or using my debit card. Decided I needed to play the game if I wanted a good credit score. 7 months after I got my very first credit card (Cap One $2,500 limit), I applied for a Blue Cash card. I was disappointed they didn't offer me the bonus, but beggars can't be choosers. I was only approved for $500 with a 669 Experian score. I used the card for gas and groceries and little oddball stuff. Made one payment a week and only let $20 go to statement each month. Made my payments and after 5 months they raised my limit to $1000. I kept doing the same thing, make a payment a week and only let $20 go to statement each month. After 10 months they raised my limit to $3,000 with a 708 Experian score. Amex has been great on the customer service and their phone app is easy to use. Payments post almost immediately. I plan on upgrading the card to the Preferred card after I have had it for a year as I spend more than $66 a week on average for groceries. So far I have run into only two places that haven't taken an Amex card, Great Clips and most doctors offices. It is a great card and Amex will treat you right if you treat your credit right. Highly recommend.