08-14-2012 12:12 PM
Just called Amex to see about switching my Blue card to a BCE and was able to do that. I asked the woman what seemed like thirty times if it would pull a CR and she insisted that it would not and also asked if my account would be closed and reopened with the new BCE and she said no. So I get BCE and keep all same Account info. I'd say that was worth the call
08-14-2012 07:31 PM
Well from online it only gave me the option to upgrade to the BCP or Blue Sky Preferred so I was a little shocked. Are you familiar to the BCE? My wife and I are frequent Super Target shoppers and wanted to know if it qualifies for the 3% cash back or not...
08-14-2012 07:37 PM
Why not get the target visa with 5% off? That is a good question though I just checked and it's categorized as a wholesale store just like Walmart.
08-14-2012 07:42 PM
Wouldn't the Target Visa have a small CL and not grow? Thats just me gathering from what I remember reading about it. Plus I had (prior to switching banks and being too lazy to set it up again) the "debit" card version but I prefer to use a credit card for everyday purchases rather than a debit card.
08-14-2012 07:58 PM
I was an au on the card under my parents the cl was decent around 3000 but I guess it just depends on how this card would suit you. If you plan on using it just at target the rewards are great. But as far as everyday cards go by no means. I'm guessing your go to card will be the bce so the target visa should compliment it well as far as Cb.
08-14-2012 08:25 PM
Go to card currently is the CSP. She is my baby. Although you are correct that I will be trying to use the BCE more and wait for my CSP to report 0 balance after my statement date as I would like to call Chase exec office to sp cli. That's for a different day though...If the BCE would qualify for the 3% then I would rather go that route.
08-14-2012 08:28 PM
Yea definitely the fewer cards the better IMO I did check my statement though and my purchase at target was classified as a wholesale store.
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.
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.