cancel
Showing results for 
Search instead for 
Did you mean: 

New to credit history, card suggestion

Contributor

Re: New to credit history, card suggestion

Great Job on that AMEX!

 

That card will help you a lot!

 

Remember try to PIF or at least make very large payments on that card.

AMEX frowns upon paying the minimum payment.

 

Remenber the 61 day 3x CLI on that card.

 

If you keep at it you will be able to get any prime card in a year!  


Starting Score: 660 - 2010
Current Score: Experian 758, Equifax 767, TransUnion 754
Goal Score: 800


Take the myFICO Fitness Challenge
Message 11 of 16
Regular Contributor

Re: New to credit history, card suggestion

MAJOR CONGRATS ON THE COSTCO AMEX CARD! Smiley Happy

 

 

I have been tempted to get it since I shop there a lot, but I don't have it in me to pull the trigger. I will definitely app for it when I make more money. For now, my AMEX BCE will have to do.. haha!

 

 

Message 12 of 16
Established Contributor

Re: New to credit history, card suggestion

Congrats and way to go on the Amex! Now that you have your 1st, other Amex cards you obtain should report with your 2013 member date. It's helpful later on when you open new Amex accounts because it will help your AAoA.

Did you ever call in to see what CL they gave you?
Message 13 of 16
Super Contributor

Re: New to credit history, card suggestion

Congrats on a great card 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 14 of 16
Super Contributor

Re: New to credit history, card suggestion


CollegeStudent530 wrote:

MAJOR CONGRATS ON THE COSTCO AMEX CARD! Smiley Happy

 

 

I have been tempted to get it since I shop there a lot, but I don't have it in me to pull the trigger. I will definitely app for it when I make more money. For now, my AMEX BCE will have to do.. haha!

 

 


The one thing i like about Costco amex instead of BCE/BCP is that you get 2% on restaurants and travel  which is an nice perk



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 15 of 16
New Member

Re: New to credit history, card suggestion

Thanks for the replies everyone. I guess it was a little bit of luck that I got approved for the card. But this is definitely encouraging. I haven't had a chance to call in to see the credit limit yet. I was waiting to see if I can get in to the online account. But it doesn't seem to be the 24 hour wait time apply to the weekend. It's passed the 24 hour mark but I still have to wait. Well, no rush then.
Message 16 of 16