Reply
Regular Contributor
BCF
Posts: 120
Registered: ‎05-27-2012

Re: On my way to a GREAT credit card line up!!

Why not apply for Blue now? If you got declined, it would be just a soft pull

Wallet: AMEX Blue Cash Preferred 5k; BofA Visa CashRewards 5k; BofA 1-2-3 MasterCard 4.4k; Citi TY Premier 2.5k; AMEX HHonors 3.5k, Chase Marriott 5k, Barclays US Airways 2.5k, Kohl's 300
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: On my way to a GREAT credit card line up!!

Great line up. Can't wait till I'm in a position to get some of those cards. :smileyvery-happy:

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Contributor
Carbon44
Posts: 80
Registered: ‎02-15-2012

Re: On my way to a GREAT credit card line up!!

I don't think you can pc from a charge card to a credit card with Amex so the OP does not have that option, but if I am wrong correct me and I learned something new.
Chase Sapphire Preferred (Visa Signature), Citi Dividend World Elite, Discover IT, American Express Blue Cash Everyday, American Express Zync
Frequent Contributor
iMacDrew
Posts: 350
Registered: ‎07-13-2012

Re: On my way to a GREAT credit card line up!!


Carbon44 wrote:
I don't think you can pc from a charge card to a credit card with Amex so the OP does not have that option, but if I am wrong correct me and I learned something new.

Im not too sure either. If so that would be great. But even still the Zync is a good card, if the rewards dont appeal to you though the BCP with 6% groceries is great in itself.

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
New Member
schmooey
Posts: 3
Registered: ‎07-22-2012

Re: On my way to a GREAT credit card line up!!

Yeah I do not think a zync card can be covered to a BCP but I can always ask and my plan was also to downgrade the CSP to a regular CS at the end of the year to counter the AF for the BCP. I will use the BCP more then I will ever the CSP. But thanks for all the advice and comments guys!

Valued Member
OptimalFICO
Posts: 203
Registered: ‎07-05-2009

Re: On my way to a GREAT credit card line up!!

I didn't see that you were planning to convert to the Blue Cash Preferred... I would just stick with the standard Blue Cash card as it has no annual fee. I'm opposed to paying annual fees in general and according to Consumer Reports, you have to rack up some pretty large purchases by the end of the year to make the points you get worth the annual fee.

Senior Contributor
Open123
Posts: 4,018
Registered: ‎02-23-2011

Re: On my way to a GREAT credit card line up!!


Carbon44 wrote:
I don't think you can pc from a charge card to a credit card with Amex so the OP does not have that option, but if I am wrong correct me and I learned something new.

Right, with Amex one can't product change from a charge card to revolving credit card.  

 

In addition, it is very rare (I've only read of a few with extenuating circumstances) for a product change requested to be granted for the Zync.  Personally, I've never known of a successful product change with a Zync, but have only read from some claims from a few posts asserting this is possible.  However, I wouldn't count on upgrading the Zync card.

 

For the OP, you're better off making a new app for the blue cards cards since it'll make you eligible for the sign up bonus and 12 month 0% financing promo.  More often than not, affiliate sites will have links offering a higher sign up perk than can be found on Amex's site.

Frequent Contributor
LTomBerry
Posts: 398
Registered: ‎08-02-2011

Re: On my way to a GREAT credit card line up!!


OptimalFICO wrote:

I didn't see that you were planning to convert to the Blue Cash Preferred... I would just stick with the standard Blue Cash card as it has no annual fee. I'm opposed to paying annual fees in general and according to Consumer Reports, you have to rack up some pretty large purchases by the end of the year to make the points you get worth the annual fee.


I'm usually allergic to annual fees as well unless it's financially advantageous for me. As for the BCP vs. BCE, you get 6% on groceries vs. 3% so if you spend more than about $205/month or so on groceries, the math says you're better off paying the fee and getting the increased rewards.


Starting Score: 690
Current Score: EQ 780 EX 814 TU 783
Goal Score: 800

Take the FICO Fitness Challenge
Valued Member
OptimalFICO
Posts: 203
Registered: ‎07-05-2009

Re: On my way to a GREAT credit card line up!!

Good to know. I put all my monthly expenses on mine, so I it the elevated cash back level pretty early in the year and then earn 5% cash back on groceries, gas and drugstore purchases with no annual fee so it works for me :-)


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+