07-23-2013 11:06 PM
07-23-2013 11:12 PM
The annual fee difference doesn't bother me, . . I definitely want the Gold, but don't want to be denied when i could have gotten the Green. My question is if there is a big difference between them, approval-wise. Here are my current EX stats, assuming they pull from there.
Approximate score 680-712
2 open credit cards with nearly 1.5 years on first one 8 months second one perfect history
Leasing a car with 15000 debt with a cosigner
Same requirements for underwriting so if you want gold go for it
07-23-2013 11:48 PM
Check out the PRG for the sign up bonus and extra rewards. You can always PC to Green or Gold to avoid the higher AF if it's not worth it.
This - the PRG offers the best ways to earn MR, so I'd go with that one.
07-24-2013 07:33 AM
As others said, Green/Gold have same approval requirements. PRG is more difficult on the other hand.
|Chase Freedom $9500|
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
|Lowe's CC $8500|
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
07-24-2013 02:25 PM
What about Platinum?
An Amex is my goal card and with the travel I'm currently doing, I can make the perks numbers work in my favor to offset the annual fee.
So is UW the same across all their charge cards?
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.