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Need Some Help

Senior Contributor

Re: Need Some Help


Creditaddict wrote:

Oh and I recommend Amex BCE or BCP if you can make it worth it, Discover it, and Freedom all at once Smiley Happy


+1  Your profile looks good in my book, it's up to you if you wanna pull the trigger.  I would agree w/ Credit on these cards, in case you're not sure about BCE or BCP, here's a helpful thread...don't be like me and app for the WRONG product (I thought i was applying for BCP but somehow ended up getting approved for BCE...don't ask me what happened lol)

 

http://ficoforums.myfico.com/t5/Credit-Cards/AMEX-BCE-BCP/td-p/1612094

 

Anyways,  Discover is good w/ their rotating 5% cashback categories, plus the free TU FICO scores, same as Freedom w/o the FICO scores. 

 

Best of luck to you, keep us updated.

 

 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Regular Contributor

Re: Need Some Help

I actually have my other card showing ~$590/$5000. So once my statement cut comes out from Barclay on the 24th I'll be showing:

 

$0/$2000 Barclay

$590/$5000 Citi Sears

 

As someone said earlier having one line at $0 would be good. I've seen that suggestion a lot too. Any truth to it? When I app I'll be at ~10% utilization and one of two lines at $0 balance.

 

Also, thinking of apping Discover or Freedom (not sure which one) and then Amex BCE. I figure I can use the BCE for 2% gas when one of the 5% revolvers isn't offering a gas category and also get 3% on groceries.

FICO - TU: 806 | EQ: 775 | EX: 805

Highlighted
Epic Contributor

Re: Need Some Help


dbutz1109 wrote:

@Creditaddict...I actually have my other card showing ~$590/$5000. So once my statement cut comes out from Barclay on the 24th I'll be showing:

 

$0/$2000 Barclay

$590/$5000 Citi Sears

 

As someone said earlier having one line at $0 would be good. I've seen that suggestion a lot too. Any truth to it? When I app I'll be at ~10% utilization and one of two lines at $0 balance.

 

Also, thinking of apping Discover or Freedom (not sure which one) and then Amex BCE. I figure I can use the BCE for 2% gas when one of the 5% revolvers isn't offering a gas category and also get 3% on groceries.


If it's one or other on freedom and discover, I rather freedom for the almost 100% visa acceptance