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Frequent Contributor
Posts: 332
Registered: ‎06-21-2013
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Re: AMEX BCE or USAA Visa?

And one more thing, should I just go for the Chase Freedom? Or should I go for any more at the time that I do apply for the card. (Jan-Feb Time)


Amex PRG NPSL | Citi Double Cash 1.2k | Chase Freedom 1k | Fidelity AMEX 5k | Sallie Mae World MC 2.4k | Banana Republic 4.8k | Discover 3.5k | Slate 8k | Best Buy .6k | Kohl's .3k |
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Registered: ‎09-13-2012
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Re: AMEX BCE or USAA Visa?

You'll definitely be in a better position once your util is down, accts/inq's have aged. You'll also see an increase in your CS by then too.
Established Contributor
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Registered: ‎12-25-2010
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Re: AMEX BCE or USAA Visa?

+1..you'll also gonna need to be around 700, low inqs, low utils to even be close to qualifying for an Amex revolver. But have a little more patience and you'll be there!


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Frequent Contributor
Posts: 332
Registered: ‎06-21-2013
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Re: AMEX BCE or USAA Visa?

Should I go for the AMEX Green Instead?


Amex PRG NPSL | Citi Double Cash 1.2k | Chase Freedom 1k | Fidelity AMEX 5k | Sallie Mae World MC 2.4k | Banana Republic 4.8k | Discover 3.5k | Slate 8k | Best Buy .6k | Kohl's .3k |
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Re: AMEX BCE or USAA Visa?

Frequent Contributor
Posts: 332
Registered: ‎06-21-2013
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Re: AMEX BCE or USAA Visa?

In the 6 months. 


Amex PRG NPSL | Citi Double Cash 1.2k | Chase Freedom 1k | Fidelity AMEX 5k | Sallie Mae World MC 2.4k | Banana Republic 4.8k | Discover 3.5k | Slate 8k | Best Buy .6k | Kohl's .3k |
Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: AMEX BCE or USAA Visa?

I'm a big proponent of apping for the cc you want. If you don't want a Green or a charge, why do it? If your credit score and util are ready- might as well app for the BCE.
Frequent Contributor
Posts: 332
Registered: ‎06-21-2013
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Re: AMEX BCE or USAA Visa?

Understood. Thank you!


Amex PRG NPSL | Citi Double Cash 1.2k | Chase Freedom 1k | Fidelity AMEX 5k | Sallie Mae World MC 2.4k | Banana Republic 4.8k | Discover 3.5k | Slate 8k | Best Buy .6k | Kohl's .3k |
Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
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Re: AMEX BCE or USAA Visa?

I agree with Lexie - if you are going to apply in 6 months then wait to apply for the BCE - the card you want

 

I only reason I said to look at their charge cards is because I thought you wanted to apply now so I suggested to build that relationship with AMEX and the Green & Gold have no AF for the first year.

 


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