07-20-2012 07:55 PM
Thanks Revelate. Yes, the new store card has already started reporting. Regarding becoming an AU on a real AMEX, I read somewhere that if you become an AU on a card with a high CL, then it can negatively affect you when applying elsewhere. Say if the card has a 20K CL and next time I apply for a card, my income is under 10K, then it can look very unusual to the lender with my CLs in proportion to income. What are your thoughts?
07-20-2012 10:56 PM
tl;dr, so apologies if I'm being reduntant. My greatest regret as a college student (credit-wise) is not applying for an AmEx card. If your parents have one (issued by AmEx, so it can be backdated) see if they'll add you as an ACM. Citi was also good to me as a college student, not sure if that's still the case though.
07-21-2012 07:22 AM
07-21-2012 08:19 AM
Hrm, open question, can you backdate to a Macy's store card?
I wouldn't think so, in which case, apply for the Zync now (if you want an Amex ever) to get your membership date set rather than 2013 as FR suggests.
All I read was AMEX and assumed it was a BCE, for some reason.
You're better off doing this in 2012 (applying for the Zync).
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