New Amex... need help deciding

[crew99]

Happy New Year everyone!

So I need to get a new amex card.. to add a little more AAoA.  Currently I am using the SPG and getting alot of nice points for travel/hotel.  I was thinking about getting the PRG, but the point system isn't that attractive, or am I completely wrong?

Also.... the most important thing is how a revolver will affect my score.  My amex currently has a 25K limit so if I use 2500 it's only hitting 10%, but with the PRG is it even affecting my % usage at all?  Sorry a little confused....

[Anonymous]

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@crew99 wrote:

Happy New Year everyone!

So I need to get a new amex card.. to add a little more AAoA.  Currently I am using the SPG and getting alot of nice points for travel/hotel.  I was thinking about getting the PRG, but the point system isn't that attractive, or am I completely wrong?

Also.... the most important thing is how a revolver will affect my score.  My amex currently has a 25K limit so if I use 2500 it's only hitting 10%, but with the PRG is it even affecting my % usage at all?  Sorry a little confused....

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Doesn't factor into usage.

[crew99]

so if i put all my charges on there, I will have 0% uilitization?  

I was thinking of getting the BCE card along with that, the 2 browser trick doesnt' work anymore does it?

[Anonymous]

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@crew99 wrote:

so if i put all my charges on there, I will have 0% uilitization?  

I was thinking of getting the BCE card along with that, the 2 browser trick doesnt' work anymore does it?

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Sorta, But you need to pay in full.

[crew99]

absolutely, I always pay in full before the due date  

[09Lexie]

Nixon is correct, a balance reporting on the PRG will not harm your usage but if you allow it to report, FICO will count it as another card reporting a balance.  That reporting may be an issue if you are trying to allow only one card report

[taxi818]

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@Anonymous wrote:

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@crew99 wrote:

Happy New Year everyone!

So I need to get a new amex card.. to add a little more AAoA.  Currently I am using the SPG and getting alot of nice points for travel/hotel.  I was thinking about getting the PRG, but the point system isn't that attractive, or am I completely wrong?

Also.... the most important thing is how a revolver will affect my score.  My amex currently has a 25K limit so if I use 2500 it's only hitting 10%, but with the PRG is it even affecting my % usage at all?  Sorry a little confused....

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Doesn't factor into usage.

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It factors in if a balance reports. Which it can. My statement closed on the 7th last month. Balance $171.dollars. Pay by by date. 23rd. So it will unless you always have paid before close date. 

[crew99]

Currently I have 3 cards reporting a balance, is there an advantage to having only one card report?

[crew99]

Can you guys help me decide if i'm understanding this correctly?

My main goal is adding AAoA to my accounts:

If I apply for a business gold card, that would add 1 HP, but my AAoA would be 0, and I can't backdate (but i'm targeted for 50K MR is the only reason I was considering)

If I apply for a personal gold card, that would add 1 HP, but also allow me to backdate

[ojefferyo]

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@crew99 wrote:

Can you guys help me decide if i'm understanding this correctly?

My main goal is adding AAoA to my accounts:

If I apply for a business gold card, that would add 1 HP, but my AAoA would be 0, and I can't backdate (but i'm targeted for 50K MR is the only reason I was considering)

If I apply for a personal gold card, that would add 1 HP, but also allow me to backdate

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how far back are we talking?