AMEX & CHASE Pre Approval help

[Closingracer99]

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@Smaldovan wrote:

Thanks everyone...any insight on which cards are better?

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depends....

BCE offers 3% CB on groceries and 2% on gas and 1% on everything else

The Freedom is a 1% CB on everything but has rotating catagories every quarter which offers 5% on some stuff.

If you want one card and use it for everything I would probably say the BCE is a better deal overall  since I assume you shop for groceries

[Turbobuick]

Pre-qualify and pre-approved are being tossed around in this thread as one and the same. In my opinion they are completely different. One says you've met certain criteria and they can futher scrutinize the hell out of you. The latter says, give us a little current info and it's a done deal. You will likely see your APR on a pre-approval. 

[All4One]

I've got the BCE and like it.  Amex website is good and they have these AmexOffers that you can take advantage of every once in a while.  Only problem is I still run into places that don't accept american express, so I have a backup mastercard.

[Smaldovan]

Took the plunge and got denied for the BCE and approved for Chase Freedom...ones better than nothing I suppose...off to garden 

[Anonymous]

IMO Freedom is better than the BCE and I have them both. Freedom all the way! But as some have said. BCE could be better for you depending on what you buy and how you buy.

[sr383]

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@DoroLucky wrote:
From what I've read here, they're both solid pre-quals. Go for it and check Cap 1 too, theirs are solid as well. As far as Discover, any dog with a computer can get a pre-qual LOL.

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Any dog with his own computer DESERVES a pre-qual. 

[DoroLucky]

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@sr383 wrote:

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@DoroLucky wrote:
From what I've read here, they're both solid pre-quals. Go for it and check Cap 1 too, theirs are solid as well. As far as Discover, any dog with a computer can get a pre-qual LOL.

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Any dog with his own computer DESERVES a pre-qual. 

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and approval LOL....you're right

[Anonymous]

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@Smaldovan wrote:

Took the plunge and got denied for the BCE and approved for Chase Freedom...ones better than nothing I suppose...off to garden 

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Congrats on the Freedom.  Since you already took the HP for the BCE, call up Amex and try to recon it.  Worst they do is say no.  

[MyLoFICO]

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@Anonymous wrote:

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@Smaldovan wrote:

Took the plunge and got denied for the BCE and approved for Chase Freedom...ones better than nothing I suppose...off to garden 

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Congrats on the Freedom.  Since you already took the HP for the BCE, call up Amex and try to recon it.  Worst they do is say no.  

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+1. Go for it. 

[Smaldovan]

I have never done that before whats the best approach, what am I supposed to say?