Credit Card Center Advertiser Disclosure†
12-02-2011 07:42 AM
Ok, ok, ok, I just got my Zync in Oct. So, if I wait six months, (APR) I can apped for the Delta card and get approve? Cool, but I don't fly Delta (Southwest!!!) so, would the Gold Reserve be the card for me to app? Or BCP? or Costco True Earning.....ok, I will stop for now...
Sounds like the BCE or BCP may be your best bet. It's a card for everybody imo cause the cash rewards are for groceries, gas, department stores. Who doesn't shop at all 3 right?
BCE may be easier if you are new to Amex (less than 1yr) imho. The BCP has higher rewards/AF so that card may be tougher to get if you have a short credit history. Just remember, the higher the rewards/AF - the tougher it will be to obtain if you don't have establish credit.
If you shop at Costco than a Costco card would also makes sense for you.
12-02-2011 09:45 AM
Yes, I am a Costco member. My credit history is 17 years with the average age of 7 years...
If your EX Plus score is 700+ and you don't have any baddies in the L5 yrs or so...I would hit submit and see. Good luck!
12-02-2011 11:56 AM
Nice, i got my BCP on Tues, love it... My Zync is going the drawer and used for only recurring monthluy charges... Using Plat forTravel and BCP for everything else....
AMEX BCP gave me my highest limit todate (7.5k) debating to go for 20k at 3 months or be conservative as ask for double and the 5k sometime this summer !
cant wait to start seeing cash back !
12-02-2011 12:19 PM
Well, seeing that you have the plat and the BCP, after socking the Zync, do you see yourself canx the Zync? Was the Zync the first card to get then the Plat? I am trying to gauge me next card. It seem to me that lot, and lot of people who got the Zync first went on to the BCP, or GoldPR/ Platinum route....
12-02-2011 12:24 PM
i want the amex bcp,, but i got confused with all the damn blue cards and app'd for the blue,,,, got it but not what i wanted,, called in and said i would have to wait and re app
12-02-2011 12:28 PM
I rent the route Zync 1st. used same pull for Plat. Was supprised i got the plat. month later i was had a itch and apped for BCP. when though i was supposed to be gardening.. well i apped and was approved for BCP..
i will propably keep the zync and let the recurring stuff go through it. its only $25 / year and its a good card.
if i had my options i would actually have Gold Premier and BCP....
12-02-2011 12:40 PM
hmm, well, I do not travel frequently for the platinum use, although there are many other benefits to the palt. I thought about apping for the GoldPR and probably the Citi Div Plat. I guess I can app for the BCE, but 2 charge cards is more than enough for me.
12-03-2011 01:58 AM
Congrats on all of the BCP CCs!
What kind of scores do you guys have who are getting approved do for this cc?
Re CCCs selling to you, I had that in a big way from Cap One! It was very irritating. They were definitely high-pressured and would not take no for an answer!
I believe I had a 706 EX FICO at the time of approval for this card back in May (with a paid Amex chargeoff as well). I also had the Blue and Clear then too.
As far as companies trying to sell to you, BOA takes the cake for that one. I feel cornered the few times I need to talk to them about something. I always tell them I'll research it online.
12-03-2011 03:56 PM
@dalebb I would not do that because it would result in a new hard pull, plus close of new account plus addition of new account and screw up your AAoA. My recommendation would be, if you can wait, to do a product change after 13 months to BCE or BCP.
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.