No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I'm a bit new here. I've been "gardening" since November and I've been wanting an AMEX for a while. I recently got an invitation for the green charge, but I just got another invite for the Gold! Between the green and gold I would rather open the Gold. I had originally wanted the Blue Cash Everyday card.. But i think this would be a good step for me to get my foot in the door with amex. Also, I hear they only soft pull if you are an existing american express cardholder, so i could app for BCE at a later time with a soft pull only??
Also, I would like to app for the B of A card since I currently bank with them and they have a $100 cash back offer right now.
So what do you think I should do?
Is it true about the AMEX soft pull for current members?
App for the Gold and B of A?
App for gold BCE and B of A?
If all, in what order should I app?
Sorry, lots of questions, a bit confused, but thanks in advance!
@bobkabob wrote:I'm a bit new here. I've been "gardening" since November and I've been wanting an AMEX for a while. I recently got an invitation for the green charge, but I just got another invite for the Gold! Between the green and gold I would rather open the Gold. I had originally wanted the Blue Cash Everyday card.. But i think this would be a good step for me to get my foot in the door with amex. Also, I hear they only soft pull if you are an existing american express cardholder, so i could app for BCE at a later time with a soft pull only??
Also, I would like to app for the B of A card since I currently bank with them and they have a $100 cash back offer right now.
So what do you think I should do?
Is it true about the AMEX soft pull for current members?
App for the Gold and B of A?
App for gold BCE and B of A?
If all, in what order should I app?
Sorry, lots of questions, a bit confused, but thanks in advance!
We need more info about your CR and scores, INQ's to help
Last pulled score was L2C 660 (from Discover letter)
Oldest account 7/12 Cap 1
Last opened account Discover 11/12
Other INQ's include Barclay Sep-Oct 2012(denied), and BofA 7/12 (denied)
I would go for the PRG.
If your approved, I would hold off for 6 months then go for the BCE. Your scores aren't there yet for a AMEX revolver.
Not sure how utilization is exactly figured out.. if this means how much of my balance i let post on my statement it would be 0, because I always pay in full. If this is regarding what portion of my credit line i actually use it would be about 10-15%.
@bobkabob wrote:Not sure how utilization is exactly figured out.. if this means how much of my balance i let post on my statement it would be 0, because I always pay in full. If this is regarding what portion of my credit line i actually use it would be about 10-15%.
You'll be just fine! Good luck!!!
@bobkabob wrote:Last pulled score was L2C 660 (from Discover letter)
Oldest account 7/12 Cap 1
Last opened account Discover 11/12
Other INQ's include Barclay Sep-Oct 2012(denied), and BofA 7/12 (denied)
I would take PRG
Don't waste your time with green or regular gold. GO PRG get your bonus and in 6 months or so try for BCE. In a year when the annual fee comes if you find that you're not spending enough to warrant keeping the PRG you can downgrade to green or gold if you still want a charge card.