08-05-2011 09:31 AM
Quick question on what my next card should be. I currently have a WF Platinum Visa with CL $15,000 age of account is 10 years and an AmEx Green. I recently got the Green back in June to take advantage of AmEx rewards/service etc as I always PIF and WF rewards are subpar. I really wish I would have gone for the PR Gold but I still had one Med CA on my CR from back in 06 that I recently have gotten deleted, and did not want to get denied so I just went with the Green. I regret that in my young age, currently 26, I have never taken advantage of all the flights I had made and the miles, rewards etc that go with it. I want to take advantage of my flying as much as possible now and would like to know the boards opinion on which card. I am considering applying for the AmEx PR Gold and dropping the green or going for the US Airways Premier World MC. If I go for the MC I will wait until an upgrade to Gold is offered or until the 13th month mark to PC to PRG. Question, since I have recently just gotten in with AmEx is applying for any new credit a good idea? Which of these situations will benefit me more, I spend a lot each month on Gas and usually fly US Air from PHX atleast 5-10 times a year.
Current scores are
Thanks for your help in advance!
08-05-2011 10:05 AM
I wouldn't apply to be honest. It may scare AMEX. I would just wait the 13 months to PC. Your first year with Green is free anyway. Who knows, you may get a free year when you PC to the AMEX Gold PR.
08-05-2011 10:12 AM
You may want to find out from Chase or Citi whoever does the US Air if the bonus miles count toward your Chariman Miles elite status. Sometimes sign-on bonus miles do not count towards it but you can use them for free flights, upgrades etc. I know when I signed up for the Chase Continental OPP the bonus miles did not affect my travel status. It only affects my travel status with them on miles flown.
You may want to find out before you app.
08-05-2011 10:21 AM
08-05-2011 01:03 PM
I wouldn't worry about Amex and applying for USAir which also to previous poster is backed by Barclay.
I would apply for it now and then wait for upgrade for Gold. and if you got approved for Green,you would have been approved for any charge up to Platinum, green is not easier then the rest.
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.