Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 1,599
Registered: ‎11-10-2012
0

Re: I want an AMEX CHARGE CARD!!!


CreditJunkie917 wrote:

I really want an AMEX charge card, either green or PRG. It would make sense for me to get one because I currently use my NFCU card to pay my monthly expenses(minus rent) which comes to about $1200/mo. Looking to see if I should pull the trigger or wait it out till the end of the year to apply. Here are my vitals:

 

3 total SL in rehab(5 TLs), rehabbing since January...$8000

HSBC CO(currently disputing b/c acct was fraudulently open in my name)

LVNV(just had removed...tied to HSBC acct)...$1175

First Premier CO....PIF jan 2008...have read impossible to GW to delete

NFCU auto loan...$3700, opened 4/13

Current accts all in good standing, no baddies, missed payments since military star card was opened in Feb 2010

 

Utilization @ 4%. The only issue I think I might run into is that my NFCU card was opened last month, along the auto loan listed above.  I know they pull experian, but no way for sure to truly know what my score is be it that one I have is a FAKO. What are you thoughts on how I should proceed?

 


Your AAoA may be a bit low...I'd garden a bit just to be sure. Good luck!

 photo Logo - Credit Card Collection - Data Inclusive_zpskiw5xfjj.jpg photo emerald_zpsfitcxbh5.jpg
Frequent Contributor
Posts: 403
Registered: ‎01-08-2013
0

Re: I want an AMEX CHARGE CARD!!!

Thanks for all the advice. I know both in my heart and mind it's better to hold off till the end of the year to app for anything else. My revolvers will have aged some, and hopefully my SL TLs will be reset back to 2006 with positive payment history, which would do wonders for my AAoA. I knew that's what I wanted to do, but it's just good to hear it from folks who've been there, done it. Thanks!!
Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!
Valued Contributor
Posts: 2,829
Registered: ‎06-05-2008
0

Re: I want an AMEX CHARGE CARD!!!


CreditJunkie917 wrote:  I really want an AMEX charge card... 

IMHO the best Amex charge card is the Unicorn Card.  You won't qualify; I don't think I've come across anyone who has received one recently... but it has no limit, and the AF is only 25 dollars.

 

That's the only AF card that I have, and I figure it's a pretty good value for an open-ended charge line.  Plus the looks people give you when you pull out a rare all-white Amex are enjoyable...

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

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

Re: I want an AMEX CHARGE CARD!!!

[ Edited ]

p- wrote:

CreditJunkie917 wrote:  I really want an AMEX charge card... 

IMHO the best Amex charge card is the Unicorn Card.  You won't qualify; I don't think I've come across anyone who has received one recently... but it has no limit, and the AF is only 25 dollars.

 

That's the only AF card that I have, and I figure it's a pretty good value for an open-ended charge line.  Plus the looks people give you when you pull out a rare all-white Amex are enjoyable...


The unicorn card AKA Zync was discontinued a few months ago, you can no longer AP for it, most of its rewards packages have been canceled and fees refunded. It was the best AMEX card for anyone that didn't spend over a $2000 a month on AMEX.

 

You can keep your current card, but its rewards are only 1 cent per dollar spent. 

 

 

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: 2,829
Registered: ‎06-05-2008
0

Re: I want an AMEX CHARGE CARD!!!


jamesdwi wrote:  The unicorn card ... you can no longer AP for it...You can keep your current card, but its rewards are only 1 cent per dollar spent. 

Yeah, I know.  I put most of my rewards spending though the Freedom, and I also get a 1.5% on my Cap1.  But it's nice to have a charge in the mix for certain situations.  Plus there's the bling factor,

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Member
Posts: 76
Registered: ‎04-30-2013
0

Re: I want an AMEX CHARGE CARD!!!

I have the Gold. So far not all its cracked up to be. It's super sparkly and pretty to look at though lol Smiley Happy. I have a feeling I'll be using my Sapphire Preferred way more when it arrives. You could always apply for the Zinc?
1st Financial Bank USA Mastercard (2007) $1,900.00
Chase Sapphire Preferred (2008) $16,000
American Express Gold (April 2013) NPSL
Discover It (April 2013) $5,000
**Experian 765, Equifax 782, TU 787**
Valued Contributor
Posts: 2,829
Registered: ‎06-05-2008
0

Re: I want an AMEX CHARGE CARD!!!


kmkotas wrote:
I have the Gold. So far not all its cracked up to be. It's super sparkly and pretty to look at though lol Smiley Happy. I have a feeling I'll be using my Sapphire Preferred way more when it arrives. You could always apply for the Zinc?

Oh, you want a zync?


3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Member
Posts: 76
Registered: ‎04-30-2013
0

Re: I want an AMEX CHARGE CARD!!!

Not interested in getting a Zync, but the annual fee is much lower than my Gold card.
1st Financial Bank USA Mastercard (2007) $1,900.00
Chase Sapphire Preferred (2008) $16,000
American Express Gold (April 2013) NPSL
Discover It (April 2013) $5,000
**Experian 765, Equifax 782, TU 787**
Valued Contributor
Posts: 2,829
Registered: ‎06-05-2008
0

Re: I want an AMEX CHARGE CARD!!!


kmkotas wrote:  Not interested in getting a Zync...

 

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Member
Posts: 76
Registered: ‎04-30-2013
0

Re: I want an AMEX CHARGE CARD!!!

Ummm.... Ok?! Lol!
1st Financial Bank USA Mastercard (2007) $1,900.00
Chase Sapphire Preferred (2008) $16,000
American Express Gold (April 2013) NPSL
Discover It (April 2013) $5,000
**Experian 765, Equifax 782, TU 787**

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.