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Gunning for Amex today

Contributor

Re: Gunning for Amex today

Slowly, just need to work on my limits and break into 5k territory.

*USAA WORLD MC 18k* *USAA VISA 12k* *AMEX BCE 10k* *DISCOVER IT 15k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Message 51 of 94
Frequent Contributor

Re: Gunning for Amex today

I guess you can get rid of that USAA Secured AMEX now.

My Wallet:
AMEX Platinum | Discover It $20.3k | Chase Sapphire Reserved $16k | Chase United $12k | AMEX SimplyCash Plus Business $11.6k | AMEX Schwab $9k | AMEX BCEP $8.2k | Citi Costco Anywhere Visa $8k | Chase Amazon Visa $8k | Chase Sapphire Preferred $7k | Chase Freedom $5k | Citi Simplicity $5k | Paypal Extras Platinum $5k | Wells Fargo $5k | Citi Best Buy $4.2k | Citi Visa Signature $3k | Care Credit $3k
Message 52 of 94
Contributor

Re: Gunning for Amex today

I would if I could, USAA makes you open a 2 year CD to secure it.

*USAA WORLD MC 18k* *USAA VISA 12k* *AMEX BCE 10k* *DISCOVER IT 15k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Message 53 of 94
Frequent Contributor

Re: Gunning for Amex today


Razeus wrote:

I guess you can get rid of that USAA Secured AMEX now.


Not if it's going to screw with the AAOA.

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Message 54 of 94
Contributor

Re: Gunning for Amex today

I dont think it will hurt my AAOA until it falls off in 10 years or so. By then my other cards will have aged enough to offset any type of hit. Its only been open for a year as of this month.

*USAA WORLD MC 18k* *USAA VISA 12k* *AMEX BCE 10k* *DISCOVER IT 15k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Message 55 of 94
Frequent Contributor

Re: Gunning for Amex today


DVH1980 wrote:

I dont think it will hurt my AAOA until it falls off in 10 years or so. By then my other cards will have aged enough to offset any type of hit. Its only been open for a year as of this month.


What about UTL then?

 

But I guess it doesn't matter since you can't close it yet anyway.

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Message 56 of 94
Contributor

Re: Gunning for Amex today

The 500.00 should barely affect my utilization, right now my UTL is 13%(didnt make a payment before the staement cut on my USAA Visa card, normally its about 3%). There should be no real negative to closing it. I guess im not in a big hurry to do so since im collecting interest on the CD anyways and building more of a relationship with USAA.

*USAA WORLD MC 18k* *USAA VISA 12k* *AMEX BCE 10k* *DISCOVER IT 15k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Message 57 of 94
Frequent Contributor

Re: Gunning for Amex today


DVH1980 wrote:

The 500.00 should barely affect my utilization, right now my UTL is 13%(didnt make a payment before the staement cut on my USAA Visa card, normally its about 3%). There should be no real negative to closing it. I guess im not in a big hurry to do so since im collecting interest on the CD anyways and building more of a relationship with USAA.


Right and Building positive relationships with our creditors is very important. 

 

 

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Message 58 of 94
Frequent Contributor

Re: Gunning for Amex today

Unless it's Capital One.


tubesock wrote:

DVH1980 wrote:

The 500.00 should barely affect my utilization, right now my UTL is 13%(didnt make a payment before the staement cut on my USAA Visa card, normally its about 3%). There should be no real negative to closing it. I guess im not in a big hurry to do so since im collecting interest on the CD anyways and building more of a relationship with USAA.


Right and Building positive relationships with our creditors is very important. 

 

 


 

My Wallet:
AMEX Platinum | Discover It $20.3k | Chase Sapphire Reserved $16k | Chase United $12k | AMEX SimplyCash Plus Business $11.6k | AMEX Schwab $9k | AMEX BCEP $8.2k | Citi Costco Anywhere Visa $8k | Chase Amazon Visa $8k | Chase Sapphire Preferred $7k | Chase Freedom $5k | Citi Simplicity $5k | Paypal Extras Platinum $5k | Wells Fargo $5k | Citi Best Buy $4.2k | Citi Visa Signature $3k | Care Credit $3k
Message 59 of 94
Frequent Contributor

Re: Gunning for Amex today


Razeus wrote:

Unless it's Capital One.

RIGHT!!!

 

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Message 60 of 94