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Valued Contributor
Posts: 2,361
Registered: ‎09-16-2011
0

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.  Smiley Very Happy

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak/Freeom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5.5k Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 7k, Discover IT 15.5k and a nice stack of store cards.
Last APP/HP 9/5/2016
Valued Contributor
Posts: 2,300
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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor
Posts: 2,489
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.  Smiley Very 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.

 

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 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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