topic Re: Which AMEX Would Be Good for this Profile? in Credit Cards

Which AMEX Would Be Good for this Profile?

Johnny_Favorite — Tue, 09 Oct 2012 18:13:09 GMT

28 years old female - 44000 a year

1 Bank of America Visa with $5000 limit - 5 years old, reporting 2200 on report but recently paid off (not reporting the payoff).

1 Citi Card (closed/paid as agreed) - 1000 limit (6 years old acct)

1 Daniels Jewelers (closed/paid as agreed) - 500 limit (5 years old acct)

no lates whatsoever

5 inquiries Experian

5 inquiries Equifax

1 inquiry Trans Union

Recently approved for Discover More, Chase Freedom, etc. but not reporting yet. Approved about a week ago with limits between 2000-4000

Fako scores of 730-740 across all bureaus.

This info is for my friend

Re: Which AMEX Would Be Good for this Profile?

creditnocash — Tue, 09 Oct 2012 18:14:39 GMT

~~hmm well youd likely want a tu pulled card.~~

~~so anything from ge.~~

~~walmart/sams club ae etc....~~

~~and with a 5k card reporting id say youd get the discover version.~~

~~are those new cards included in the inq? what limits did they get.~~

~~id say wait until the boa reports 0 or whatever you paid and then app for something ge.~~

~~you could do it now but it would help in the long run.~~

wow ok is she looking for a charge card or a revolver?

most of the uw is the same for all the charge cards.

if she shops at costco id suggest the true earning since its a great card with cash back and no af with costco membership.

Re: Which AMEX Would Be Good for this Profile?

Johnny_Favorite — Tue, 09 Oct 2012 18:14:19 GMT

New cards she received (but not reporting yet)

Discover More (2000)

Chase Freedom (4000)

Citi Diamond (2000)

Target Red (500)

Re: Which AMEX Would Be Good for this Profile?

creditnocash — Tue, 09 Oct 2012 18:15:38 GMT

edited last post!

Re: Which AMEX Would Be Good for this Profile?

Johnny_Favorite — Tue, 09 Oct 2012 18:17:45 GMT

I think she's just looking to get her foot in the door with AMEX.

She prefers something with NO FEE.

Charge or Revolver doesn't matter, just wants to establish a relationship without getting denied for credit.

Re: Which AMEX Would Be Good for this Profile?

DeadSpider — Tue, 09 Oct 2012 18:18:02 GMT

If you cook at home a lot which lots of people do go for Blue Cash Preferred @ $75AF or BCE no AF.

You'll get $300+ back a year with BCP assuming you put about $500 a month on groceries and not including gas or miscellanies.

If you need a referral PM me your email.

Re: Which AMEX Would Be Good for this Profile?

Johnny_Favorite — Tue, 09 Oct 2012 18:22:01 GMT

Do you think they will approve her for blue cash despite her 5 inquiries? I have a feeling they are going to pull Experian (she's in California)

Would Zync be less inquiry sensitive?

Re: Which AMEX Would Be Good for this Profile?

shakalaka — Tue, 09 Oct 2012 18:23:33 GMT

Johnny_Favorite wrote:
Do you think they will approve her for blue cash despite her 5 inquiries? I have a feeling they are going to pull Experian (she's in California)

Would Zync be less inquiry sensitive?

There is no more Zync. You can not apply for it any more since 10/1

Re: Which AMEX Would Be Good for this Profile?

DeadSpider — Tue, 09 Oct 2012 18:25:20 GMT

Go for Blue Cash Zync is no longer available ITS GOOOOOOOONNNNNNEEEEEEE :catsad:

Re: Which AMEX Would Be Good for this Profile?

creditnocash — Tue, 09 Oct 2012 18:25:35 GMT

Johnny_Favorite wrote:
Do you think they will approve her for blue cash despite her 5 inquiries? I have a feeling they are going to pull Experian (she's in California)

Would Zync be less inquiry sensitive?

zync is not offered anymore.

but if she wants no af i would go for bce. (blue cash everyday)

are those inq all in the past year

honestly though with her aaoa and spotless record even with a year of cards (since its not reported yet just the inq)

i would think she would be fine but its all ymmv.

Re: Which AMEX Would Be Good for this Profile?

Johnny_Favorite — Tue, 09 Oct 2012 19:08:14 GMT

She just applied and was denied for Too Many Inquiries.

So for anybody looking to apply for this card, make sure your inquiries are low.

Thanks gentlemen for all your assistance... =)

Re: Which AMEX Would Be Good for this Profile?

DeadSpider — Tue, 09 Oct 2012 19:37:29 GMT

Which card did you apply ?

Re: Which AMEX Would Be Good for this Profile?

Johnny_Favorite — Tue, 09 Oct 2012 20:01:40 GMT

She applied for the Amex Clear...