The best way to estimate your Amex Blue Cash Everyday approval odds is to check for pre-qualification. You can do that in minutes on the American Express website. Pre-qualification does not guarantee you’ll be approved. But most people who are pre-qualified get approved. Another good way to gauge your Amex Blue Cash Everyday approval odds is to check your credit score before applying. Applicants for the Amex Blue Cash Everyday require at least good credit to be approved.
Here’s how to estimate your Amex Blue Cash Everyday approval odds:
You can check for Amex Blue Cash Everyday pre-qualification. Go to Amex’s pre-qualified offers page, enter your contact information and the last four digits of your Social Security Number, and click the "View my Offers" button. If you are pre-qualified, it means American Express has done a soft inquiry into your credit and thinks you’d likely get approved.
You can check your credit score. Credit card applications can temporarily damage your credit score, so it’s best to know where you’re situated before applying. Amex Blue Cash Everyday requires good credit for approval, so make sure you meet that requirement.
Your Amex Blue Cash Everyday approval odds should be pretty similar to your odds with other American Express credit cards.
If your application is denied, you can request a reconsideration by calling American Express at (800) 567-1083 at least 30 days after denial. That’s basically a chance to explain yourself and correct any errors related to your application. Also, if you think your credit score needs improving, consider some tips to address just that.
You can estimate your odds by checking your credit score. If it's 700+, the odds are high. With a score of 700+ it's safe to assume that your credit utilization is reasonable and you don't have any recent negatives.
Yes, the Blue Cash Everyday will do a hard pull. You will need a credit score of at least 700 to get it.
You can prequalify for the Blue Cash Everyday on Amex's pre-qualification page, which will not affect your credit score as it will be a soft pull. However, if you do prequalify and want to get the card, you will need to submit an actual application which will result in a hard pull.… read full answer
A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage here.
It can take anywhere from a few minutes to 10 business days to get approved for the Blue Cash Everyday.
While some applicants may be approved instantly because they match the exact criteria that the issuer (American Express) is looking for, not being approved right away doesn’t mean that you won’t ultimately get approved once your application is reviewed in more detail.… read full answer
You will be informed either way once a decision has been reached.
The Amex Blue Cash Everyday credit score requirement is 700 at a minimum. That means applicants for the Amex Blue Cash Everyday need at least good credit to be approved.
But your credit score is only one of the factors considered when you apply. American Express will also consider your income, existing debts, number of recently opened accounts and other things. Make sure you are aware of what American Express looks for before applying.… read full answer
Here’s what we know about Amex Blue Cash Everyday credit scores:
The Amex Blue Cash Everyday credit score requirement at least 700. That means you’ll need at least good credit for approval.
Other requirements for the Amex Blue Cash Everyday include a steady income and a Social Security Number, ITIN or passport (Amex can access your credit reports from select countries so you don’t necessarily need a credit history in the U.S.). American Express will also look at your expenses, existing debt, credit history and recent credit inquiries.
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