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Frequent Contributor
xgac12x
Posts: 312
Registered: ‎06-21-2013
0

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)



Chase Freedom 7.5k | Fidelity AMEX 5k | Sallie Mae World MC 2.4k | Discover 3.5k | Quicksilver 1.5k | Best Buy .6k | Kohl's .3k |
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09Lexie
Posts: 26,652
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
JonStur
Posts: 905
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!


Starting Score: TU 686 EX 641 EQ 690
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Frequent Contributor
xgac12x
Posts: 312
Registered: ‎06-21-2013
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Re: AMEX BCE or USAA Visa?

Should I go for the AMEX Green Instead?



Chase Freedom 7.5k | Fidelity AMEX 5k | Sallie Mae World MC 2.4k | Discover 3.5k | Quicksilver 1.5k | Best Buy .6k | Kohl's .3k |
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09Lexie
Posts: 26,652
Registered: ‎09-13-2012
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Re: AMEX BCE or USAA Visa?

Frequent Contributor
xgac12x
Posts: 312
Registered: ‎06-21-2013
0

Re: AMEX BCE or USAA Visa?

In the 6 months. 



Chase Freedom 7.5k | Fidelity AMEX 5k | Sallie Mae World MC 2.4k | Discover 3.5k | Quicksilver 1.5k | Best Buy .6k | Kohl's .3k |
Moderator
09Lexie
Posts: 26,652
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
xgac12x
Posts: 312
Registered: ‎06-21-2013
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Re: AMEX BCE or USAA Visa?

Understood. Thank you!



Chase Freedom 7.5k | Fidelity AMEX 5k | Sallie Mae World MC 2.4k | Discover 3.5k | Quicksilver 1.5k | Best Buy .6k | Kohl's .3k |
Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008
0

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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