10-20-2013 03:28 PM - edited 10-20-2013 03:29 PM
I think the Ritz is a call in if you want the annual fee free for the first year.. there's a thread with a promo code to use when you app. I don't know if you can use that code online. So maybe call in to them first? They tend to give the largest CLs with Chase that I've seen. Plus you get like 70k points or miles or whatever their equivalent is.
10-20-2013 03:29 PM
Will AMEX backdate the BCP/PRG Charge if approved? I hope so
Yes, you would just call once approved or when you receive the card and say that you'd like to make sure that you retained your member since date. (Don't say backdate )
10-20-2013 03:30 PM
10-20-2013 03:35 PM
I think you should app for CSP first, a poster mentioned that Chase will see you apping right before and might give you the message... but if you app for them first, no harm done and no message either.
Since you have no open accounts with Amex they might give you a new date, but a simple call should have that all fixed for you no problem.
I think you should go for the BCP before the PRG.
10-20-2013 03:47 PM
10-20-2013 04:30 PM - edited 10-20-2013 06:19 PM
Ok unlocked my reports, waiting the 15 minutes to open. Will app in an hour. CSP first-Amex both consecutively BCP-PRG
Wish me luck!!
Why not the CSP, Amex PRG and MB together they both earn MR points in everyday categories at a higher rate plus if you plan on getting a MB then the $500 dollar credit per year and extra miles per year on lease outweigh the AF and the rewards you would get on the BCP. If you app the PRG online and get approved I would call in on the MB app to see if you can app and get the 10k bonus. I think you would because one is charge and the other a revolver.
10-20-2013 06:56 PM
Well I applied- CSP INSTANT APPROVAL!!!!!!!!!!!!!!!!!!!!!!!!!!!! then I applied for RITZ.........7-10 Days.......I was feeling to arrogant after CSP instant!
AMEX-15 Days.......Currently "in processing" Good? Bad? Declined?
Applied for Amex BCP/MB/PRG Charge.........All are in process.......Hopefully I wont get 3 inq on EX and get declined in the end.....
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.