@Anonymous wrote:After 3 years of constantly throwing mailed offers away, I recently realized I need another card to improve my score and reap rewards. I am also interested in a balance transfer to pay off my debt gradually over the next year. I didn't wait for a mailed offer and instead just applied online, got approved instantly with 15k limit, 18.99 rate after intro (not happy about that part).
My current credit includes ~180K in federal student loans ; Bank Americard with 4400/10,000; Synchrony Care Credit 500/12800 ; Zales 0/2500. Also have 2 car loans. My BofA / Mint apps say my FICO is 743/740. Current income is 124,000 / year.
Congrats on the approval! Scores should raise in no time!
Congrats
the apr is just part of the deal with Amex
Use it and pif, presto, non factor
the apr is just part of the deal with Amex Use it and pif, presto, non factor