@Anonymous wrote:I want to apply for an AMEX credit card which I can use for purchases at Costco (BCE, BCP, or Costco TrueEarnings) and carry a balance from time-to-time. Here are my stats:
- I have account history that goes back 14 months.
- Cap 1 with $1,750 CL - 2% UTIL - Highest Bal. $928 - No Lates - 14mos old
- Chase Auto/Installment Loan - $19k/$327mo - No Lates - 4mos old
- (5) Inquiries - (1) for the orig Cap 1; and (4) for the auto loan (all 4 were within a 10-day period)
- EQ FICO: 728 - 1/6/12 & EX PLUS: 717 - 1/6/12
- Income: $55k / yr
OR...
If it's doubtful that I would qualify for either of those 2, then which other rewards cards (VISA / MC) would be recommended considering my current history?
I am a Newbie to this sight and any help would be GREATLY APPRECIATED! Thank-you!
It's possible you could get Costco or BCP, I don't think BCE. It would have been in your favor with your thin file if you had an existing relationship with AMEX. I would recommend going for the Zync.
@pizzadude wrote:
If you are interested in AMEX cards, you might consider starting with the Zync charge card ~ then apping for BCP or BCE after a few months of good history.
The AMEX Charge cards are easier to get than the revolver cards....
+1
@Anonymous wrote:Yeah, I tried the pre-selector sight earlier today and it listed pre-selection for the Gold, Green, and ZYNC cards.
I'm ok with one of those if they get my foot-in-the-door with AMEX.
But what about the Costco TrueEarnings card, is it just as difficult to get as the BCE/BCP?
I still want to get at least one more revolving card right now. Is the HP from AMEX going to make it harder to qualify for another revolver, if so, should
I just forget about the AMEX for now and go for 2 more revolvers?
I would say yes, and since their pre-qualifier pretty much gave you all charge cards I think you should be fine getting Zync / Green.
@Anonymous wrote:I want to apply for an AMEX credit card which I can use for purchases at Costco (BCE, BCP, or Costco TrueEarnings) and carry a balance from time-to-time. Here are my stats:
- I have account history that goes back 14 months.
- Cap 1 with $1,750 CL - 2% UTIL - Highest Bal. $928 - No Lates - 14mos old
- Chase Auto/Installment Loan - $19k/$327mo - No Lates - 4mos old
- (5) Inquiries - (1) for the orig Cap 1; and (4) for the auto loan (all 4 were within a 10-day period)
- EQ FICO: 728 - 1/6/12 & EX PLUS: 717 - 1/6/12
- Income: $55k / yr
OR...
If it's doubtful that I would qualify for either of those 2, then which other rewards cards (VISA / MC) would be recommended considering my current history?
I am a Newbie to this sight and any help would be GREATLY APPRECIATED! Thank-you!
welcome to the forums,,, i dont worry about HP's, if i was u i would app the BCP 1st and if u dont get an instant approval app for the zync, u will get the zync i believe
@trumpet-205 wrote:I waited for 8 months and that wasn't enough for AMEX. Some here suggest at least 1+ year.
I got the BCE 3 months after getting the Zync. But it might have helped me since I have a very good previous history with AMEX.
But if you don have that history I would wait 1 yr as you said
