Credit Cards

[Gh0st]

My transunion is at 753.

Currently I have 

NFCU:13k

Citi Foward:7.2k

JCP: 4.2k

Discover:3.5k

Chase freedom:1k

Amex znyc( thinking about canceling this)

I think I should maybe apply for one or two more and let things grow since I'm going to start grad school soon. I want to cancel the amex due to the anual fee.  Any suggestions?

[OptimasPrime]

It couldn't hurt to try for an Amex revolver. Soft pull if denied and you get the backdating. Then you could cancel the Zync afterwards/right before the af hits.

[Revelate]

I would suggest an Amex BCE if you're looking at cancelling the Zync.  No sense bailing on the Amex relationship while in grad school I think.

[LS2982]

---

OptimasPrime wrote:

It couldn't hurt to try for an Amex revolver. Soft pull if denied and you get the backdating. Then you could cancel the Zync afterwards/right before the af hits.

---

I agree, take a look at their revolving cards and try it!

[Gh0st]

I was thinking about trying for the blue and maybe a credit union. USAA maybe? Penfed?

[LS2982]

---

Gh0st wrote:

I was thinking about trying for the blue and maybe a credit union. USAA maybe? Penfed?

---

PenFed has a great gas rewards credit card. They are very strict on approvals so you need a solid file to get it.

[jamie123]

+1 on all the AMEX advice. Apply for a revolver and then cancel the Zync when the AF comes due. But really, $25 a year isn't too bad for that card.

[LS2982]

---

jamie123 wrote:

+1 on all the AMEX advice. Apply for a revolver and then cancel the Zync when the AF comes due. But really, $25 a year isn't too bad for that card.

---

Exactly! I don't think i'll ever close down my Zync!