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AMEX BCE or USAA Visa?

Frequent Contributor

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)

In Wallet 03/15/2017: CSR $11,000 | Chase Freedom Unlimited $6,000

In Garden Until 2019
Message 11 of 19
Moderator Emerita

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.
Message 12 of 19
Established Contributor

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!


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Message 13 of 19
Frequent Contributor

Re: AMEX BCE or USAA Visa?

Should I go for the AMEX Green Instead?

In Wallet 03/15/2017: CSR $11,000 | Chase Freedom Unlimited $6,000

In Garden Until 2019
Message 14 of 19
Moderator Emerita

Re: AMEX BCE or USAA Visa?

Message 15 of 19
Frequent Contributor

Re: AMEX BCE or USAA Visa?

In the 6 months. 

In Wallet 03/15/2017: CSR $11,000 | Chase Freedom Unlimited $6,000

In Garden Until 2019
Message 16 of 19
Moderator Emerita

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.
Message 17 of 19
Frequent Contributor

Re: AMEX BCE or USAA Visa?

Understood. Thank you!

In Wallet 03/15/2017: CSR $11,000 | Chase Freedom Unlimited $6,000

In Garden Until 2019
Message 18 of 19
Valued Contributor

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.

 


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 19 of 19