05-21-2008 01:39 PM
05-21-2008 03:17 PM
05-21-2008 09:41 PM
05-22-2008 05:37 AM
05-22-2008 05:46 AM
05-22-2008 06:10 AM
thrasher865 wrote:Thanks for the warm welcome. I could have half that $6500 taken care of just by rent if I could set up billpay to my landlord sigh.... in a perfect worldanyway, I definitely intend to PIF every monthAny particular reason that it's especially important to PIF on AMEX cards? Do they typically give higher rates? Or are they extremely harsh on delinquent customers?
05-22-2008 07:01 AM
They are classically a charge card PIF only type company. When they started issuing more revolvers, they started to get cold feet when people were carrying balances, so if you revolve too much, they will take AA even though you haven't violated any terms.
05-22-2008 07:17 AM - edited 05-22-2008 07:18 AM
05-22-2008 07:48 AM
Is this true even during the promotional 0% APR period? Because I do intend to take advantage of that promotion, otherwise what is it for? Maybe 50% util on a 7K line (overall util would still be at 10% with that).
05-22-2008 09:02 AM
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.