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Valued Contributor
Posts: 1,990
Registered: ‎09-16-2011
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Re: Chase Freedom Vs Amex

 

yes you can get a Revolver first, check amex pre-approved site and see if you have any. When I got my first AMEX card the "Blue" I had a 720 FICO, and 1+ years experience experience with over 2 credit cards the bare minimum of what AMEX wants for there better cards.  Dont remember INQ's but more than a few. Last baddie was over 3 years ago no lates or chargeoffs on any credit account.  And  80k + income.  

 

Basicly if are in he low 700's you can give a revolver a try, do it first, If you are boader line, You may get it. If you get a Zync first AMEX may want to wait and see how you handle it. If you are in the 600's just get a Zync or charge card you want and bide your time while score grows and your relationship with AMEX strenthens. 

 

If you are in the high 700's ignore all this advice and apply for what you want...  

 

and if you are 800's  the AMEX representative will be hand delivering your Platinum and BCP card shortly.  :smileyvery-happy:


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Valued Contributor
Posts: 2,266
Registered: ‎07-23-2012
0

Re: Chase Freedom Vs Amex

[ Edited ]

im not sure what my experian is since i never checked it. 

quizzle gave me a 677 FAKO but that was before i paid off my bby card and added my other cards. 

 

aaoa dropped to 8 months so...

i have 3 active inquries and one that will fall off on the 23rd and one that will fall off in december(completely) 

Active Ones

1/4/12(Kohls recieved) 2/12/12(Chasedenied) and 7/26/12(Chase Freedom) that i got 

 

 

btw wont let me check special offers since i checked like 3 weeks ago. =/ 

Current: Discover Fico 701 3/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 5 TU 1 EX 1 | Most Recent: 03/23/2015
Over 12 Months:6


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6400
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
0

Re: Chase Freedom Vs Amex


jamesdwi wrote:

 

yes you can get a Revolver first, check amex pre-approved site and see if you have any. When I got my first AMEX card the "Blue" I had a 720 FICO, and 1+ years experience experience with over 2 credit cards the bare minimum of what AMEX wants for there better cards.  Dont remember INQ's but more than a few. Last baddie was over 3 years ago no lates or chargeoffs on any credit account.  And  80k + income.  

 

Basicly if are in he low 700's you can give a revolver a try, do it first, If you are boader line, You may get it. If you get a Zync first AMEX may want to wait and see how you handle it. If you are in the 600's just get a Zync or charge card you want and bide your time while score grows and your relationship with AMEX strenthens. 

 

If you are in the high 700's ignore all this advice and apply for what you want...  

 

and if you are 800's  the AMEX representative will be hand delivering your Platinum and BCP card shortly.  :smileyvery-happy:


And they'll be handing you special offers too. 100k for the Amex plat (3k spend in 3 months) and 75k for the PRG (1k spend in 3 months plus no AF for the 1st year) sitting in the mail right now for me.

 

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: Chase Freedom Vs Amex

Amex BCE is my dream card.  Grow with you fast, backdating nice limits.  If not looking for 5% cash back categories amex is nicer to have, although not accepted everywhere like chase.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
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