Ive had American Express Blue since 1999 and I love it. Never had one problem with the card and have used it to travel in the Military and after I left the Military. Great card used it and wore it out several times. Now I use it for Business and it has great perks for car rental etc.... American Express will never leave my wallet, because when others have failed it was my goto card.
They want your federal tax returns. They did not require them before issuing the card and then after a month told me they needed them. I of course said no to that. Had I have known that they would have asked me for federal tax returns I would not have applied. Putting 4 years of federal tax returns out on the internet or even stored on their systems so they can be hacked later is just not a good idea. The value of the card is not worth the risk. No other card company has asked for my federal returns. 752 Fico score and don't need the hassle or risk. When I talked to them they said they had to have them or they might cancel me. I said to cancel my card I was not longer interested in it. Even though the card was paid in full they canceled the card and put it on my credit report that they had cancelled it when I had cancelled it.
These reviews were written by current and former cardholders in the last year.
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Data Created: February 02, 2015
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It's a solid card if you want straight c
I think it's a good card with decent reward categories, but their other cards which give you Membership Rewards are preferable.
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Horrible, you will regret this decision!
They will start you out with a high credit limit, after a while with no apparent reason they will reduce the limit on the card having a negative affect on your credit score. When you call them to find out why you'll get the runaround by people who can't speak English very well. They will offer you a solution to get your credit score and card limit back as long as you agree to pay them hundreds sometimes thousands of dollars in a one-time payment??? Can anyone say extortion?
If you owe money and they tell you paying on it will help your score that’s not extortion, that’s how credit works, you pay off debt and your score goes up.
Amex will bring you down.
WARNING! I was enlightened after a terrible lesson in 2014 with these guys. I have a 811 CS presently. Was able to get out of so many credit mess through the help of my credit tutor @royalblade1 on telegram.
He’s currently helping me build my credit. I’ve seen 100 points increase in the past 3 weeks.
He’s very good. Royalblade@ ProtonMail. Com I believe that’s his email.
Heard about his credit repair services on here and I must say, it’s been a better day for me and my family since we employed this guy’s service. I was able to get a home loan that we do uch needed. Grateful!
Do they do any thing with credit inquiry
@JACK19701 yes, i believe so.
How much do they charge?
.......IN PROGRESS. He’s been impressive so far.
Would be needing their service. Hope I can trust you all
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Good info
Spam
Very good card to have.
AMEX has been very good for my company.
Great customer service
Applied via Credit Karma and got approved for $20k limit. Received card in the mail with envelope slit open. Person used my card fraudulently. I used AMEX online chat and also spoke to their fraud hotline specialist and they resolved the issue quickly and mailed me a new card via FedEx. Its only been 1 week since using the card and I've already received my $150 statement credit after drawing charges over $2k. Haven't seen any cash back credits yet but again it's only been 1 week and I think those come at the end of each statement period.
works well
First credit card and love it. So great for gas and grocery shopping. I'm a college student and have built my score from the low 600s into the low/mid 700s in less than a year by keeping my credit use under 10% and paying it off monthly. The app is sleek and easy to use, even esp to understand rewards points and purchase bonuses to add to your card. Amex customer service is great.
Finally Got Approved!
I applied for this card a couple of months ago and then another few months before that. Both times I was denied because I had too many accounts that were recently opened. Anyhow I was going through all of my accounts to make sure that they were up to date and then when I logged into CK this came up on my list of recommendations as being "pre-approved" so I figured that I'd give it another shot. Sure enough they approved me! This was the final piece of the puzzle that I wanted to have in my profile and I hope to have good experiences with using it.
Cheating card PLEASE BE AWARE.
Once you got approved you will be getting good credit limit based on your credit score. BUT IF YOU MADE ANY LARGE PURCHASE WITH ANY OTHER CREDIT CARDS AND IF YOUR SCORE DROPPED SOME NUMBER ,WHEN THEY GET NOTIFICATIONS FROM FICO SCORE THEY WILL BE CUTTING DOWN YOUR LIMIT MORE THAN 90% OF YOUR TOTAL LIMIT WITHOUT ANY REASON AND NOTIFICATIONS..
How many points did your score drop? I had this happen to me once but it was because an old creditor that I finally paid off started reporting me. When 2 years worth of negative history suddenly popped up on my credit report, card issuers were pulling the plug on me left an right. I hope that Amex doesn't do business this way.
This is why I chose the savor one credit card with capital one instead of this card, there are so many complaints of this happening and it’s not okay, things happen and scores go up and down and I would never touch this card.
So, if I'm understanding this post correctly...your overall revolving credit utilization shot up at some point after you got this card, with a resulting (I'm assuming substantial) drop in your FICO score? Seems safe to assume that your FICO score dropped below some threshold and therefore triggered a decrease in credit line. I'd also assume that if your FICO score had dropped even lower it might have resulted in the account being closed. As bad as this was for you, this was not "cheating" on American Express's part. Most banks do periodic account reviews, with similar results if there's substantial changes in a customer's credit profile. Your key takeaways should be 1) watch your utilization carefully, and 2) learn what days of the month that your accounts tend to report, and 3) wherever possible, make payments in advance of those "reporting days" if your credit utilization is higher than it should be.
Good gas and grocery card.
I got it for the gas and grocery rewards originally. They offered me a pretty decent limit even with low credit history. They base most of your limit on the last payment you made on another acount X4. Great card for every day purchaes.