10-09-2013 11:25 AM - edited 10-09-2013 12:37 PM
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:
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?
Util is usually 0%
10-09-2013 11:36 AM
10-09-2013 11:41 AM
The Freedom is not reporting as of yet.
10-09-2013 11:46 AM
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.
10-09-2013 12:47 PM
Took me a while to realize I could edit posts..my bad.
Updated first post to include utilization.
10-09-2013 01:21 PM
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!?
10-09-2013 01:22 PM
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.
10-09-2013 02:00 PM
So looking at my credit profile I have a pretty good shot for it?
10-09-2013 02:05 PM
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