Credit Cards

[bribro]

Thanks everyone for your input. I'm pretty set on the BCE now and will probably wait until October to apply. 

---

Crashem wrote:

I like the JCB Marukai Premium card.  3% cash back on all purchases after 3k in a year.  JCB accepted whereever Discover is accepted.

AMEX BCE is great card.  The BCP is worth it if you spend more than $2500 a year on groceries as it makes up the AF.  Backdating is good thing for the future as well.  No reason for the Blue.

---

I've come to this conclusion as well. In what situation would anyone get the Blue over the BCE?

[FrugalRican]

Curious... why October?

And yes, I'd recommend BCE to round it out as well.

[bribro]

---

FrugalRican wrote:

Curious... why October?

And yes, I'd recommend BCE to round it out as well.

---

October will have marked 6 months since my Freedom & CSP apps/approvals. I'm in no rush to get the BCE either, just sometime this year to get the member since date started.

[espnjunkie]

Why do you really need to apply for additional credit? You already have pretty significant credit lines

[FrugalRican]

---

bribro wrote:

---

FrugalRican wrote:

Curious... why October?

And yes, I'd recommend BCE to round it out as well.

---

October will have marked 6 months since my Freedom & CSP apps/approvals. I'm in no rush to get the BCE either, just sometime this year to get the member since date started.

---

Although this makes sense, it also kinda doesn't.

Two different beasts, I'd rather get the BCE inquiry off a whole 6 months sooner.

I know what you mean by the backdating, but are the Freedom/CSP your first cards?

I think it makes sense to apply for AMEX though, if nothing more than the backdating for future purposes.

[bribro]

---

espnjunkie wrote:

Why do you really need to apply for additional credit? You already have pretty significant credit lines

---

I want to start a relationship with AmEx so that I can backdate in the future; I really regret not having done it sooner. Plus, there isn't much overlap in the BCE rewards with what I currently have; for example, BCE would be used for 3% at supermarkets and 2% at gas stations and department stores (unless they are 5% categories for Freedom or Dividend during that quarter).

[bribro]

---

FrugalRican wrote:

---

bribro wrote:

---

FrugalRican wrote:

Curious... why October?

And yes, I'd recommend BCE to round it out as well.

---

October will have marked 6 months since my Freedom & CSP apps/approvals. I'm in no rush to get the BCE either, just sometime this year to get the member since date started.

---

Although this makes sense, it also kinda doesn't.

Two different beasts, I'd rather get the BCE inquiry off a whole 6 months sooner.

I know what you mean by the backdating, but are the Freedom/CSP your first cards?

I think it makes sense to apply for AMEX though, if nothing more than the backdating for future purposes.

---

I don't want to risk wasting a HP if I get denied for the BCE (or does AmEx only SP on denials?). If I was AmEx, I'd be a little worried about someone going for another CC just after opening $30k at Chase.

Freedom/CSP are my first primary cards and I got both in April. My Citi Dividend card has been active since 2005 but will be used only for the 5% rotating categories. Plus, if I wait for 6 months, maybe AmEx will offer something better than just $100 cash back?