08-09-2012 12:42 PM
First of I gotta say I would have never been approved if it was not for all the posters on this site. I am so excited and I got the 40K bonus offer.
So for those of you thinking of applying here is my situation: I have about 7 inq on Experian, but as I am going to travel frequently in the next year I thought why not give it a shot. Yesterday when I applied the Amex application update site said in progress.....then around 8Pm last night I called. I got a rep who clearly has been outsourced (not that I care) but she informed me my CL is 2K.
So for those of you that have this card what is the best way to use and redeem points on this card???????
Additionally I have the card portfolio below, I may apply for the CSP and close the Cap1 next year. So could all of you tell me how I should be usiing the cards below to maximize reward earning? Any and all input is welcome.
Amex Zync - NPSL - My internal limit is 6K 3 month old
Amex Hilton HHonors - 2K I just got approved.
Chase Freedom - 5K 3 months old and got a CLI last month from 3K with HP
Discover More 1.5K 3 Months old - Hopefully I get a CLI in 6 Months
Cap 1 500 10 months old - What else is there to say the limit sucks.
08-09-2012 12:48 PM
I just got approved for mine on the 29th! Although I'm still waiting on the card...Definitely looking forward to the 3x CLI in 61 days. And I don't know if I am wrong, but with the Hilton Card with the AF, you receive 40,000 points after your first purchase. I looked on the Hilton website and according to the website, 40,000 HHonors points are equivalent for like a week stay?
Someone please correct me if I am wrong.
08-09-2012 01:01 PM
Nice card Congrats!
08-09-2012 01:05 PM
Yes it is a weeks' stay depending on the category of the hotel. If you stay at category 1 hotel like a Hampton Inn than its 7500 points a night, hower if you stay at Hilton times square its 50K points a night..
08-10-2012 07:04 AM
Any Hilton HHonors card holders..........................have input????
08-10-2012 07:21 AM
I got my Zync in May 2012 and my AAOA when I applied for the HHonors card was 4 months, so you should be good.
08-10-2012 06:26 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.