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?
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.