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Enharu, Creditaddict, and other CC gurus.

Moderator Emeritus

Re: Enharu, Creditaddict, and other CC gurus.

lol.. Yes,, BCE... but how do I found out the amount?

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 11 of 58
Super Contributor

Re: Enharu, Creditaddict, and other CC gurus.


Shogun wrote:

lol.. Yes,, BCE... but how do I found out the amount?


Call them

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 12 of 58
Blogger

Re: Enharu, Creditaddict, and other CC gurus.

Your work travels are paid for by the government, but you still have personal leisure trips to pay for on your own I would assume. In that case you should get a loyalty card or transferable points card because you will rack up miles very quickly. If you don't mind paying annual fees, I would suggest the SPG which is awesome for both hotel stays and flights. And you definitely should get an Amex card for extended warranty and easy transaction dispute if nothing else.

 

Well, looks like  you already got the BCE anyway. BCE + SPG may be all you need for now ...

 

But, if you also travel abroad, you may want to consider a card without foreign transaction fee. May I suggest CSP (and couple it with the Freedom)? Or if you'd rather not pay an annual fee, consider Bankamericard Travel Rewards card.

 

 

Message 13 of 58
Moderator Emeritus

Re: Enharu, Creditaddict, and other CC gurus.

Just got the Chase Freedom for $6K.   Only did it because the DW told me too.  I fought with them for 6 months to get COs off my CR, and that wasn't that long ago.  They were the last of the baddies I"ve had in the past to approve me for new.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 14 of 58
Blogger

Re: Enharu, Creditaddict, and other CC gurus.

Congratulations in order!!!

You really hate annual fees don't you? Smiley Wink

Message 15 of 58
Senior Contributor

Re: Enharu, Creditaddict, and other CC gurus.


Shogun wrote:

I just got approved for the AMEX BXE, but no idea how much.....


Congrats!!

Message 16 of 58
Moderator Emeritus

Re: Enharu, Creditaddict, and other CC gurus.

Yes,,, don't actually spend that much.  DW does 90% of the spending in my household.  She has her own accounts.  Ok.. truth be known, she does about 98% of the spending.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 17 of 58
Senior Contributor

Re: Enharu, Creditaddict, and other CC gurus.


Shogun wrote:

Just got the Chase Freedom for $6K.   Only did it because the DW told me too.  I fought with them for 6 months to get COs off my CR, and that wasn't that long ago.  They were the last of the baddies I"ve had in the past to approve me for new.


Congrats, again!!

Message 18 of 58
Super Contributor

Re: Enharu, Creditaddict, and other CC gurus.


Shogun wrote:

Just got the Chase Freedom for $6K.   Only did it because the DW told me too.  I fought with them for 6 months to get COs off my CR, and that wasn't that long ago.  They were the last of the baddies I"ve had in the past to approve me for new.


Congrats samurai shogun

Slayer of  lenders 

Go get em Smiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 19 of 58
Senior Contributor

Re: Enharu, Creditaddict, and other CC gurus.


Shogun wrote:

Yes,,, don't actually spend that much.  DW does 90% of the spending in my household.  She has her own accounts.  Ok.. truth be known, she does about 98% of the spending.


LOL!

Message 20 of 58