Amex EveryDay Credit card is also referred to as the American Express EveryDay Credit card. It is a solid card for beginner travellers who cannot avoid paying annual credit card charge fee. If you need a good 0% introductory APR offer for new purchases and balance transfers for the first 15 months from account opening. Then Amex EveryDay Credit card is for you.
American Express helps customers to manage their credit card account from the comfort of their homes. You don’t need to pick up your phone to deal with the stress associated with receiving customer service, users can activate their cards online and they can log into their accounts to access a number of helpful financial management tools.
Amex EveryDay Credit Card Pros & Cons
Before we move on with the article, we want to quickly check out the Pros and Cons of American Express EveryDay credit card. In a simple language, pros and cons stand for the good and bad of the credit card.
American Express EveryDay Credit Card Pros
The following is what makes the credit card stand out among other credit cards you have been using. Please pay close attention to the points here.
====> The credit card is good for a set of people that want to earn cash back and reward while shopping, most especially those shop for travel and groceries
====> You will benefit from the zero balance transfer fee within the first 60 days of opening your account
====> You don’t need to bother about the annual fee, Amex EveryDay come with $0 annual fee
====> If you make use of your credit card more than 20 times in a month, you will earn 20% more points on the purchases.
====> You will enjoy 0% intro APR for first 15 months of opening your account.
Amex EveryDay Credit Card Cons
In a simple word, cons stand for the challenges of the credit card. You have to weigh the pros and cons after you might have gone through the cons of the credit card.
====> Other credit cards offer better bonus rewards compare to American Express credit card
====> American Express card may not be accepted at every merchant
====> You must spend with your credit card per month before taking full advantage of rewards. You must make a purchase 20 times in a single month to get the full reward
Apply for Amex EveryDay Credit Card
I am sure you have gone through the pros and cons of the credit card, once you decided to apply for American Express credit card. Here is the complete guide to submitting your application.
Step 1 ====> You need to visit the official website or copy and paste https://www.americanexpress.com on your browser.
Step 2 ====> Provide your basic information, it includes Monthly income, occupation, city and your contact number
Step 3 ====> You will now see a list of credit cards for which you meet the basic eligibility criteria
Step 4 ====> Now, find your preferred American Express credit card from the list and check your eligibility for the same
Step 5 ====> If you have the criteria, then complete the online application
NOTE: Once you submit the application, you will get a call from American Express representative who will come to collect the documents at your doorstep. The bank will scrutinize the documents provided and if approved, the card will reach you shortly.
American Express EveryDay Credit Card Login Guide
Now that you have completed your application process through the steps above. You want to login to your account, this part of the article will guide through the login process. To gain access to your online account:
Step 1 ====> Head over to the American Express homepage first
Step 2 ====> Locate the login menu just below the American Express logo in the top left of the screen and click on it.
Step 3 ====> Enter your User ID and Password in the blank spaces provided
Step 4 ====> Click the Log In button to access your account.
If your credential was correctly provided, you will not have difficulty in login to your account.
Reset Forget Password
Sometimes most of the time, a lot of people forget their login details. If you are one of them, you can retrieve it through this process.
Step 1 ====> You need to visit the login page
Step 2 ====> Locate and click the Forgot User ID or Password link found below the log-in fields
Step 3 ====> You will be redirected to the retrieval page.
Step 4 ====> At the retrieval page, enter the 15-digit number at the front of your card and the corresponding 4-digit Card ID in order to begin the retrieval process.
Step 5 ====> Click Continue to proceed to the next page.
Step 6 ====> Instructions will be given to you which must be completed before being you can retrieve your login credentials.
Know About Amex Balance Transfers before Applying
There are limits to balance transfers with American Express credit cards, according to the company.
====> You don’t need to delay. You only have 60 days to request for balance transfer and qualify for 0% interest
====> You don’t need to worry yourself, American Express may take up to 6 good weeks before balance transfer closes
====> Your interest rate could be high after the 0% offer expires. American Express says that once the introductory period ends, the interest rate for the aforementioned cards on any left-over debt from your transfer will be 12.99% to 23.99% variable, depending on your credit.
====> It is never allowed to move money or transfer balance between Amex Credit Cards. That is, from one American Express card to another American Express-branded card.
====> You are advised to keep making use of your Amex EveryDay Credit card until you are sure that your balance transfer has closed
====> Your request to transfer balance may be denied, the company decide what to do
====> You will not be able to transfer balance less than$100. American Express will not accept your transfer request if the total request exceeds your new card’s credit limit.
Amex EveryDay Credit Card Balance Transfer
Before you can transfer balance through American Express credit card, you need to follow some protocol. The protocol or guide starts from comparing and choose a balance transfer card from Amex.
Compare and Choose a Balance Transfer Card From Amex
In other to compare two or more Amex Credit card, you need to follow the steps in the article. There are very simple and easy to go about.
Step 1 ====> You need to choose an Amex balance transfer credit card. You need to compare available offer, choose American Express credit card that best suit your spending and balance transfer.
Step 2 ====> You need to apply for the credit card online. Application takes very few minutes to be completed. Click on Apply now to complete the application process.
Step 3 ====> Now, you need to fill your balance transfer details. You need the account number of existing Amex Credit Card and the amount you want to transfer
Step 4 ====> You need to wait for approval, you may receive a decision in few minutes after submitting your application. In case you need additional information, you may wait for a certain number of business working days
Step 5 ====> While waiting, continue to pay off your old account. Your transfer will not be initiated until after 10 working days of card member agreement.
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Amex EverDay Credit Card Balance Transfer After Account Approved
You can request a balance transfer up until 60 days after account opening. In a simple language, your account has been approved that is why you will be able to request for Amex EveryDay credit card balance transfer. You can follow the steps her to transfer balance on your American Express EveryDay credit card.
Step 1 ====> You need to log in to your online Amex account
Step 2 ====> Then, locate Account services tab and click on it
Step 3 ====> On the left side, locate and click on Payment and credit options
Step 4 ====> Now click on Transfer balance
Step 5 ====> Now provide your balance transfer details in the space provided. These include the card number of the account that currently holds your debt and the amount you wish to transfer
Step 6 ====> You need to review your information and submit your transfer request.
Step 7 ====> Wait for your balance transfer to complete. In the meantime, keep making payments to the issuer who currently carries your debt.
Amex EverDay Credit Card Balance Transfer after Account Approved via Phone Call
You can also achieve the aim and objective of the step above through phone call. You need to call and speak with a customer care professional through 1 800 528 4800. Here is the step to follow
Step 1 ====> On your phone dial 1 800 528 4800 to speak with a Customer Care Professional.
Step 2 ====> Tell the representative you want to make a balance transfer.
Step 3 ====> If a transfer is allowed, give the representative necessary information such as the card number of your previous issuer and the amount you wish to transfer.
Step 4 ====> Confirm with the representative that your balance transfer has been initiated.
Step 5 ====> Wait for your balance transfer to complete. In the meantime, keep making payments to the issuer who currently carries your debt.
You have done well, you have gone through everything we want to share about Amex EveryDay Credit card. In the article, you are familiar with the pros and cons or American Express EveryDay Credit Card. You are through with the application process, login guide and how you can reset your password. You also pass through the complete process of Amex EveryDay credit card transfer.