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Contributor
Posts: 255
Registered: ‎08-24-2011
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Re: Gunning for Amex today

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

*USAA WORLD MC 12k* *USAA VISA 12k* *AMEX BCE 6k* *DISCOVER IT 11.5k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Frequent Contributor
Posts: 396
Registered: ‎04-02-2012
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Re: Gunning for Amex today

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

My Wallet:
Discover It $14,300 | Chase United $12,000 | Chase Sapphire Preferred $7,000 | Chase Freedom $5,000 | Citi Simplicity $5,000 | AMEX BCE $4,200 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Contributor
Posts: 255
Registered: ‎08-24-2011
0

Re: Gunning for Amex today

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

*USAA WORLD MC 12k* *USAA VISA 12k* *AMEX BCE 6k* *DISCOVER IT 11.5k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Frequent Contributor
Posts: 423
Registered: ‎09-12-2009
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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
Contributor
Posts: 255
Registered: ‎08-24-2011
0

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 12k* *USAA VISA 12k* *AMEX BCE 6k* *DISCOVER IT 11.5k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Frequent Contributor
Posts: 423
Registered: ‎09-12-2009
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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
Contributor
Posts: 255
Registered: ‎08-24-2011
0

Re: Gunning for Amex today

[ Edited ]

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 12k* *USAA VISA 12k* *AMEX BCE 6k* *DISCOVER IT 11.5k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Frequent Contributor
Posts: 423
Registered: ‎09-12-2009
0

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
Frequent Contributor
Posts: 396
Registered: ‎04-02-2012
0

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:
Discover It $14,300 | Chase United $12,000 | Chase Sapphire Preferred $7,000 | Chase Freedom $5,000 | Citi Simplicity $5,000 | AMEX BCE $4,200 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Frequent Contributor
Posts: 423
Registered: ‎09-12-2009
0

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
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