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Established Member
Posts: 46
Registered: ‎02-23-2013
0

Opinion needed please. GARDEN or AMEX BCE? // Eventually CSP

[ Edited ]

Salutations.

 

I have been expanding my credit profile as of late, and was just wanting a few extra opinions on whether I should garden at this point or app for a new card so that they can all grow old together. ♥

 

Currently my Fico's according to MyFico are as follows:


ExperianFICO® SCORE
 711

 


EquifaxFICO® SCORE
 705

 

TransUnionFICO® SCORE
 763

 

My current cards are as follows:

 

Chase Freedom $2,200 9/13
Discover it $1,250 2/13
Capitol One Platinum $500 9/12 (Recently PC to Quicksilver)

Been getting a lot of mail offers from Bank of America for their Cash Rewards card but I don't know that I am interested in it. Recently opened up a checking and savings account with chase and I'll be putting the majoraty of my money with them. Eventually I'd like to go for the CSP. I know I don't have the greatest of incomes (28k) but, I've heard plenty of stories where someone with good credit and and a retail relationship with them have pretty good chances.

 

According to CK and CS and CreditCards.com/CardMatch the AMEX BCE is my "perfect" match where I am currently standing, but I don't really feel that's entirely accurate. I don't really like rejection. ♥

 

So, what do you guys think? Is it off to the garden with me?

 

Edit;

 

Util is usually 0%

 

 



Amex BCE $6,000 10/13 ♥ Chase Freedom $2,200 9/13 ♥ Discover it $1,250 2/13 ♥CapitolOne Quicksilver $1250 9/12 ♥


Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Opinion needed please. To Garden or NOT to Garden?

Assuming your util is low and no baddies I would say you have a good shot at the BCE. Is the Freedom reporting?
Established Member
Posts: 46
Registered: ‎02-23-2013
0

Re: Opinion needed please. To Garden or NOT to Garden?

The Freedom is not reporting as of yet.



Amex BCE $6,000 10/13 ♥ Chase Freedom $2,200 9/13 ♥ Discover it $1,250 2/13 ♥CapitolOne Quicksilver $1250 9/12 ♥


Established Member
Posts: 46
Registered: ‎02-23-2013
0

Re: Opinion needed please. To Garden or NOT to Garden?

My util as always been at or around 0%, I usually PIF before my statement cuts.

The only thing I'm worried about is inquiries. I'd have to check further on that.



Amex BCE $6,000 10/13 ♥ Chase Freedom $2,200 9/13 ♥ Discover it $1,250 2/13 ♥CapitolOne Quicksilver $1250 9/12 ♥


Established Member
Posts: 46
Registered: ‎02-23-2013
0

Re: Opinion needed please. To Garden or NOT to Garden?

Took me a while to realize I could edit posts..my bad.

Updated first post to include utilization.



Amex BCE $6,000 10/13 ♥ Chase Freedom $2,200 9/13 ♥ Discover it $1,250 2/13 ♥CapitolOne Quicksilver $1250 9/12 ♥


Epic Contributor
Posts: 24,694
Registered: ‎10-23-2007
0

Re: Opinion needed please. To Garden or NOT to Garden?

Don't pay all your account always before the statement because then it's not showing your credit profile you can handle any credit because it doesn't look like your using it... let 1 card report a month a smaller balance of some sort.

 

I would apply to Amex.. wait, amex was the question right!?

Fico Scores: EQ- 670., TU 705 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
88 Cards and Counting :smileytongue:
Epic Contributor
Posts: 24,694
Registered: ‎10-23-2007
0

Re: Opinion needed please. To Garden or NOT to Garden?

oh and you got offers for Bank of America... I say those are good to go... apply.

my partner got his BCP through creditcards.com match.

Fico Scores: EQ- 670., TU 705 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
88 Cards and Counting :smileytongue:
Community Leader
Super Contributor
Posts: 6,835
Registered: ‎09-22-2012
0

Re: Opinion needed please. To Garden or NOT to Garden?

I would app for the BCP before Freedom posts.  Plus you're locking in 2013 member year for future backdating purposes.

Established Member
Posts: 46
Registered: ‎02-23-2013
0

Re: Opinion needed please. To Garden or NOT to Garden?

So looking at my credit profile I have a pretty good shot for it?



Amex BCE $6,000 10/13 ♥ Chase Freedom $2,200 9/13 ♥ Discover it $1,250 2/13 ♥CapitolOne Quicksilver $1250 9/12 ♥


Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Opinion needed please. To Garden or NOT to Garden?

Use the link you get from creditcards.com that has a better sign up offer.

Go for the BCP and good luck!
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