thanks for getting back to me.....yeah...i understand about the good rates.....but if i pay it off each month....or keep a low balance....that would work for me....i just want to get my foot in the door with a good CC again.....need to do some gardening!!!
What exactly penfed looking for? is it just a good score? what about a short credit history?
and which one you prefer AMEX blue or Penfed the reward card. I know AMEX has a higher rewards but for customer service Penfed wins.
About $800 or $900 a month is enough, from my calculations, for it to beat penfed and freedom.