Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Must APP


HiLine wrote:

Dustink wrote:

distantarray wrote:

if you actually plan to use it, don't be afraid of AF's. The benefits make up for it if you actually do use them. Personally I don't stay in hotels enough to matter, most my travels are in Vietnam where most places don't even take credit cards haha


I carry 1 card with an AF. The US Bank flexperks sig. They waive the AF with $2k per month in spending. Other than that. I haven't found a card that warrants and AF. It seems like it is better to have several cards with no AF. Then just use the bonus categories that each card offers, can on average earn just as many rewards with no AF's.

 

Someday I will get a no AF card that has lounge access haha


My goal for next year is to have all the 3 cards with 5% bonus categories and no annual fees. Smiley Happy

 

If that goal is accomplished early, I will look for an airlines card which grants lounge access. The first year's annual fee should be waived, so it'll be close to no AF. Smiley Wink


I think currently the best card is the Cash+ card, but it offers no intro bonus.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Must APP



After I got the card. I called a rep to check out hotels and how many points they require. They gave me 3k free points after they noticed how many points it would take to get a night in a hotel near me...haha

 


Lol @ them being embarrased about their own product

 



I found a hotel that was 120,000 points for one night, and it was only a 4 star hotel.

 

I will find a way to get a good value out of the points though.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Established Member
Posts: 48
Registered: ‎10-19-2012
0

Re: Must APP

prequalified offers on the us bank cash+ signature do have spend-range bonuses. i work for their "credit card enrollment center" (3rd party call center) and have seen some with those. the pre-qualified offers occasionally offer 0% for 12 months as well.

 

do not call the credit card enrollment center to get these offers, we work on a sales model and are unable to accomodate special requests, we either can do your prequalified offer or the standard web offer. thats what happens when they hire third party call centers to handle their credit card applications.

Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: Must APP

Don't app!!! You don't want any AA!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Must APP


youngandcreditwrthy wrote:
Don't app!!! You don't want any AA!!

But, but, but....awwwwwwwwww

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: Must APP

Lol.... That's why Im waiting on the Citi Diamond Preferred....

What if Amex closed your account?! How would you feel?! Ive learned how to raise my fico here and equally as important: what creditors can do when you take on too much credit too soon lol... Just be careful :-D
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Must APP


youngandcreditwrthy wrote:
Lol.... That's why Im waiting on the Citi Diamond Preferred....

What if Amex closed your account?! How would you feel?! Ive learned how to raise my fico here and equally as important: what creditors can do when you take on too much credit too soon lol... Just be careful :-D

Why the diamond? It doesn't have any rewards.

 

It would suck if they closed my account and took the points away.

 

I'll take it easy for awhile. Do you think it will be better to CLI after two months? Or should I apply for another account come january? Which one first?

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: Must APP

I'm gonna try for a cli on Amex BCE like Dec 20th... Before Xmas hahhaa. Most of the time clis are soft pulls... So don't let a cli hinder your apping if you are worried about inqs. I'd say wait six months at least... Didn't you open three or four accounts recently?? I've opened like four in the past six months: Travelocity Amex, Chase Freedom, Discover Motiva, and Amex BCE.... I reallllyyy need to stay in the garden...
And in reference to the Diamond Preferred, I'm a sucker for a super long intro apr of 0% for 18 months+ LOL... It's a prettttty card :-D
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: Must APP

Never take a hp for a cli though!!! Lol not worth it imo.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
Posts: 440
Registered: ‎02-08-2012
0

Re: Must APP

I always feel the need to app right after I see a CC commercial of a card I really want lol.. Especially now that xmas is around the corner.. I so badly want to pull out a chase sapphire haha.. Wishful thinking!

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy

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.